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CardCurator — Rewards Intelligence
Quick Answer

The United Club℠ Infinite Card edges out the Royal ONE Plus Visa Signature Credit Card for most cardholders — it wins on 2 of 4 comparison categories and offers 90,000 pts signup bonus. The Royal ONE Plus Visa Signature Credit Card is the better choice if you want no or lower annual fee.

Card Comparison

Royal ONE Plus Visa Signature Credit Card vs United Club℠ Infinite Card

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

Royal ONE Plus Visa Signature Credit Card card art
Royal ONE Rewards
Royal ONE Plus Visa Signature Credit Card
Bank of America
More Info
United Club℠ Infinite Card card art
United MileagePlus
United Club℠ Infinite Card
Chase
More Info

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.

How we rank cards Editorial policy Data sources
Annual Fee
$99/yr
$695/yr
Foreign Fees
None
None
Signup Bonus
70,000 points
Spend $3,000 in 3 months
90,000 points
Spend $5,000 in 3 months
was 80k pts
Top Earn Rates
  • Royal Caribbean, Celebrity Cruises & Silversea 4x
  • Airlines 2x
  • Hotels 2x
  • United Purchases 4x
  • Dining 2x
  • Hotel Stays 2x
Reward Type
miles
miles
Pts Value
~1.00¢/pt points · industry est.
~1.30¢/pt miles · industry est.
Key Credits
  • Global Entry or TSA PreCheck Credit $120
  • 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: Royal ONE Plus Visa Signature Credit Card vs United Club℠ Infinite Card

Is the Royal ONE Plus Visa Signature Credit Card or United Club℠ Infinite Card better for dining?

Royal ONE Plus Visa Signature Credit Card earns 2x on dining; United Club℠ Infinite Card earns 2x on dining. Royal ONE Plus Visa Signature Credit Card wins for dining.

Which has the higher signup bonus in 2026?

Royal ONE Plus Visa Signature Credit Card currently offers 70,000 pts signup bonus (spend $3,000 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 Royal ONE Plus Visa Signature Credit Card 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. Royal ONE Plus Visa Signature Credit Card is from Bank of America and United Club℠ Infinite Card is from Chase, so they're governed by separate bank policies.