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VS

Compare the Features and Benefits of The Plum Card® and
United Club℠ Infinite Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
Purchase Protection
Return Protection
No Foreign Transaction Fees
No Fees for Authorized Users
Has No Preset Spending Limit
Secondary Car Rental CDW Waiver
Travel and Emergency Assistance Services
Amex Offers
Airport Lounge Access
Free Checked Bags
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Grants Hotel Status
Grants Car Rental Status
Annual Statement Credits
Trip Protections
Priority Boarding
Concierge Services
Free Access to Credit Score
Metal Card
Annual Fee
$250 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer

None. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.88) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Plum Card® is quite possibly the most unique card in the lineup of American Express business credit cards. As a full “No Preset Spending Limit” card (these used to be called charge cards by American Express, but that term is no longer used), it is really a great choice for extremely high spenders.

1.5% is a solid cash back rate for a card with no preset spending limit, though if you have spend that falls into the right bonus categories, you might want to first take a look at the American Express® Business Gold Card which is also a No Preset Spending Limit car. You’ll earn 4X Membership Rewards points on up to $150,000 in total spend per calendar year, in the two qualifying categories where your business spends the most money every month out of 6 select business categories.

cloud-computing-the-plum-card

(Note that the Plum Card earns cash back, not rewards points).

Now if your business is often a bit behind with cash flow (perhaps all of your client payments come more than 30 days after you need to make your own payments, then the 60 day payment period offer on this card (instead of the early pay discount – i.e. the cash back) could really be a massive benefit. So while it’s a niche card product, it can knock the ball out of the park for certain business owners.

Rates and Fees for The Plum Card®

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Return Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Has No Preset Spending Limit
yes
Secondary Car Rental CDW Waiver
yes
Travel and Emergency Assistance Services
yes
Amex Offers
yes
Airport Lounge Access
no
Free Checked Bags
no
Primary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Hotel Status
no
Grants Car Rental Status
no
Annual Statement Credits
no
Trip Protections
no
Priority Boarding
no
Concierge Services
no
Free Access to Credit Score
no
Metal Card
no
Annual Fee
$525
Avg. Min. Credit Score
800-850 *
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
4x Airfare
2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 80,000 United MileagePlus Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.  
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

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

lounge-access-united-club-credit-card

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.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Return Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Has No Preset Spending Limit
no
Secondary Car Rental CDW Waiver
no
Travel and Emergency Assistance Services
no
Amex Offers
no
Airport Lounge Access
yes
Free Checked Bags
yes
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Annual Statement Credits
yes
Trip Protections
yes
Priority Boarding
yes
Concierge Services
yes
Free Access to Credit Score
yes
Metal Card
yes

Learn more about these cards today

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