Compare the Features and Benefits of Citi® Diamond Preferred® Credit Card and
United Club℠ Infinite Card

This card does not have a rewards program or offer cash back, so you won’t earn rewards for spend. Rewards credit cards tend to carry high APRs and are suitable for those that do not carry a balance.

The Diamond Preferred card is all about the Introductory Purchase and Balance Transfer offers and ideal for those that already have credit card debt.

You can use this offer to help get your debt under control and think about rewards and cash back cards later – once you are debt free and won’t need to carry a balance. Be sure to read all rates, fees, and disclosures before you apply.

It also offers Citi “My Deals” both on the Citi Mobile App and Citi Online. My Deals provides easy access to national and local coupons across categories such as dining, shopping, and entertainment. Offers depend on your geographic location.

You’ll also have access to discounted gift cards select brands and a daily gift card deal.

The United Club Infinite Card is a surprisingly robust offering from United Airlines and Chase.

The primary reason to get this card is because you fly United enough that you would like to have United Club lounge access for all of your flights.

The average person will save $125 by gaining United Club access via this credit card than by buying it directly. Even United 1K members come out $25 ahead. Why would anyone buy United Club access directly when it’s cheaper to pay a lower annual fee on the credit card?

By the way, the exact same thing applies to the Citi® / AAdvantage® Executive World Elite MasterCard® and as well as the Delta SkyMiles® Reserve American Express Card and the Delta SkyMiles® Reserve Business American Express Credit Card. The Delta cards even offer American Express Centurion Lounge access when flying Delta, although they also have a limit on lounge visits per year.

You also have the ability to earn the most Premier Qualifying Points towards United elite status of any of the United credit cards. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases.

Now, sure, outside of 4X miles per dollar spent on United purchases, the earn rate on other categories aren’t particularly strong. But the card’s features and benefits that we’ve described above that come on top of the United Club lounge access are incredibly compelling.

To recap, those benefits include:

• United Club lounge access

• First and second free checked bags

• Receive 25% Back on United inflight and Club Premium Drink Purchases

• Earn up to 10,000 Premier Qualifying Points (PQP) (You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases.)

• 10% Saver Award Flight Discount

• Expanded Award Availability

• Premier Upgrades on Award Tickets

• Premier Access including priority check in and priority boarding

• Return Protection for Items a Store Won’t Take Back + Extended Warranty and Purchase Protection

• Access to The Luxury Hotel & Resort Collection

• Primary Car Rental CDW Insurance

• Global Entry / TSA PreCheck / NEXUS Reimbursement as a Statement Credit

• IHG Platinum Status

• Top Tier Avis President’s Club status

That’s not all of the card features, but it sure is enough to see that the value you are getting for that annual fee is pretty amazing.