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CardCurator — Rewards Intelligence
Card Comparison

Atmos Rewards Business vs United Club℠ Infinite Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Atmos Rewards Business card art
Atmos Rewards
Atmos Rewards Business
Bank of America
More Info
United Club℠ Infinite Card card art
United MileagePlus
United Club℠ Infinite Card
Chase
More Info
Annual Fee
$99/yr
$695/yr
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $4,000 in 3 months
90,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • All Purchases 1x
  • United Purchases 4x
  • Dining 2x
  • Hotel Stays 2x
Reward Type
miles
miles
Key Credits
None
  • Global Entry/TSA PreCheck Credit $120
  • IHG Rewards Credit $120
Card Perks
None listed
  • United Club Membership
  • Free First and Second Checked Bags
  • Premier Access
  • +1 more
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: Atmos Rewards Business vs United Club℠ Infinite Card

Is the Atmos Rewards Business or United Club℠ Infinite Card better for dining?

Atmos Rewards Business has no dining bonus; United Club℠ Infinite Card earns 2x on dining.

Which has the higher signup bonus in 2026?

Atmos Rewards Business currently offers 75,000 pts signup bonus (spend $4,000 in 3 months). United Club℠ Infinite Card offers 90,000 pts signup bonus (spend $5,000 in 3 months). United Club℠ Infinite Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Atmos Rewards Business and the United Club℠ Infinite Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Atmos Rewards Business is from Bank of America and United Club℠ Infinite Card is from Chase, so they're governed by separate bank policies.