The United Club℠ Infinite Card edges out the Bilt Mastercard for most cardholders — it wins on 3 of 4 comparison categories and offers 110,000 pts signup bonus earns more (up to 5x vs 3x). The Bilt Mastercard is the better choice if you want no or lower annual fee.
Bilt Mastercard vs United Club℠ Infinite Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
United Club℠ Infinite Card is the stronger all-around option for most people in this matchup because it wins more measurable categories in our scoring model. Bilt Mastercard still makes sense if your spending pattern lines up better with its fee profile, issuer rules, or rewards ecosystem.
Best if transfer partners and redemption flexibility matter more than simplicity.
Best if your main priority is the larger current welcome offer.
Bilt Mastercard is no longer available for new applicants. Historical data is preserved here for reference.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Dining 3x
- Travel 2x
- Rent 1x
- United Purchases 5x
- Dining 2x
- All Other Travel 2x
- Global Entry / TSA PreCheck / NEXUS Credit $120
- Renowned Hotels Credit $200
- Rideshare Credit $150
- +3 more
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
Quick summary
A short version of the comparison with the main differences at a glance.
The United Club℠ Infinite Card edges out the Bilt Mastercard for most cardholders — it wins on 3 of 4 comparison categories and offers 110,000 pts signup bonus earns more (up to 5x vs 3x). The Bilt Mastercard is the better choice if you want no or lower annual fee. On raw upside, United Club℠ Infinite Card tops out at 5x versus 3x for Bilt Mastercard. Current signup bonus values are roughly $0 for Bilt Mastercard and $1100 for United Club℠ Infinite Card. Summary generated June 21, 2026. Source: https://cardcurator.ai/compare/bilt-mastercard-vs-united-club
- United Club℠ Infinite Card wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: United Club℠ Infinite Card reaches 5x; Bilt Mastercard reaches 3x.
- Annual fee: United Club℠ Infinite Card is $695/yr; Bilt Mastercard is no annual fee.
- Current public bonus values are approximately $0 and $1100.
Common Questions: Bilt Mastercard vs United Club℠ Infinite Card
Is the Bilt Mastercard or United Club℠ Infinite Card better for dining?
Bilt Mastercard earns 3x on dining; United Club℠ Infinite Card earns 2x on dining. Bilt Mastercard wins for dining.
Which has the higher signup bonus in 2026?
Bilt Mastercard currently offers no current bonus. United Club℠ Infinite Card offers 110,000 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 Bilt Mastercard 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. Bilt Mastercard is from Wells Fargo and United Club℠ Infinite Card is from Chase, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.