American Express Gold Chase United Club Infinite
American Express Gold
$325/yr
Chase United Club Infinite
$695/yr
Every $1 · two cards
American Express Gold earns more in 8 of 9 categories · Chase United Club Infinite in 0
- Dining4×8¢ per $1
up to $50,000/yr
2×2.4¢ per $1 - Groceries4×8¢ per $1
up to $25,000/yr
1×1.2¢ per $1 - Gas1×2¢ per $11×1.2¢ per $1
- Flights3×6¢ per $12×2.4¢ per $1
- Hotels5×10¢ per $1
via amextravel.com
5×6¢ per $1via Renowned Hotels and Resorts
- Everything else1×2¢ per $11×1.2¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
American Express
Gold
- Annual fee
- $325
- Network
- amex
- Welcome value
- —
- Min spend
- $8,000 / 6mo
Top earning rates
- 5×Prepaid hotels · Membership Rewards
- 4×US supermarkets · Membership Rewards
- 4×Restaurants worldwide · Membership Rewards
- 3×Flights · Membership Rewards
Key benefits
- The Hotel Collection $100 Credit · $100
- $100 Resy Credit · $50
- $120 Dining Credit · $10
- $120 Uber Cash · $10
- $84 Dunkin' Credit · $7
Chase
United Club Infinite
- Annual fee
- $695
- Network
- visa
- Welcome value
- —
- Min spend
- $5,000 / 3mo
Top earning rates
- 5×Eligible United flights · MileagePlus
- 5×All other eligible United purchases · MileagePlus
- 5×Hotel stays · MileagePlus
- 2×All other travel · MileagePlus
Key benefits
- Free first and second checked bags · $440
- JSX statement credit · $200
- Renowned Hotels and Resorts credit · $200
- Rideshare statement credit · $150
- Global Entry, TSA PreCheck or NEXUS fee credit · $120
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
Get my personal answer