Card comparisonSide by side
The Platinum Card® from American Express vs UnitedSM Explorer Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | American Express | Chase |
Card Network | ||
Card Type Data: 2/2 cards | travel | travel |
Card Tier Data: 2/2 cards | Premium | Mid Tier |
Credit Score | Excellent(750+) | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $895 | $150 |
Foreign Transaction Fee | None | None |
Purchase APR | 19.49% – 28.49% | 19.74% – 28.24% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn 175,000 points | Earn 50,000 miles |
Bonus Value | $1,750 | $500 |
Reward Rate Data: 2/2 cards | 5x pts on flights | 9x miles on united flights |
Reward Program Data: 2/2 cards | Membership Rewards | United MileagePlus |
| Earning Rates | ||
| All other purchases | — | 1x miles |
| Dining | — | 2x milesIncluding eligible delivery services. |
| Hotel stays | — | 2x milesWhen booked directly with the hotel. |
| Other eligible United purchases | — | 3x miles |
| United flights | — | 9x miles6x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 3x miles on entire United purchase with United Explorer Card. |
| flights | 5x ptsBooked directly with airlines or through American Express Travel®, on up to $500,000 on these purchases per calendar year. | — |
| prepaid_hotels | 5x ptsBooked on American Express Travel®. | — |
| Benefits | ||
Key Benefits |
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