United Club℠ Infinite Card vs More Rewards American Express Card

Side-by-side comparison of United Club℠ Infinite Card and More Rewards American Express Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	United Club℠ Infinite Card	More Rewards American Express Card
Issuer	Chase	Navy Federal Credit Union
Network	Visa	American Express
Card Material	Metal	Plastic
Annual Fee	$695.00	$0.00
Base Rate	1.00%	1.00%
Travel Rewards	2.00x	0.00x
Auth. User Fee	$175.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Airline	5.0%	1.0% (base)
United Airlines	5.0%	1.0% (base)
Hotels	5.0%	1.0% (base)
Travel	2.0%	1.0% (base)
Restaurants	2.0%	3.0%
Supermarkets	1.0% (base)	3.0%
Gas Stations	1.0% (base)	3.0%
Transit & Rideshare	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	12.99% - 21.49%	14.9% - 18%
Cash Advance APR	21.74%	16.9%
Penalty APR	23.24%	N/A
Late Fee	$40	$20
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	Secondary
Baggage Delay	✓	—
Baggage Loss	✓	—
Cell Phone Protection	—	—
Extended Warranty	✓	—
Purchase Protection	120 days	—
Return Protection	—	—
Trip Cancellation Interruption	✓	—
Trip Delay	✓	—
Tsa Precheck Global Entry	✓	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard