The Platinum Card from American Express vs United Club Business
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Flights (Direct or Amex Travel) 5x
- Prepaid Hotels (Amex Travel) 5x
- All Other Purchases 1x
- United Purchases 4x
- Dining 2x
- Hotel Stays 2x
- Prepaid Hotel Credit $200
- Uber Cash $15
- Airline Fee Credit $200
- +4 more
- Global Entry/TSA PreCheck Credit $120
- IHG Rewards Credit $120
- Centurion Lounge Access
- Priority Pass Select
- Delta Sky Club Access
- +6 more
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
- Flying Blue
- Delta SkyMiles
- True Blue
- Qatar Avios
- Virgin Atlantic Flying Club
- +13 more
Common Questions: The Platinum Card from American Express vs United Club Business
Is the The Platinum Card from American Express or United Club Business better for dining?
The Platinum Card from American Express has no dining bonus; United Club Business earns 2x on dining.
Which has the higher signup bonus in 2026?
The Platinum Card from American Express currently offers 175,000 pts signup bonus (spend $12,000 in 6 months). United Club Business offers 8,000 pts signup bonus (spend $5,000 in 3 months). United Club Business 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 The Platinum Card from American Express and the United Club Business?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. The Platinum Card from American Express is from American Express and United Club Business is from Chase, so they're governed by separate bank policies.