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Blue Cash Preferred® Card from American Express vs United Club℠ Infinite Card
This comparison aims to help users determine which credit card suits their needs better: the Blue Cash Preferred® Card from American Express or the United Club℠ Infinite Card. Both cards offer unique benefits, making them suitable for different spending habits and lifestyles.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for everyday spenders who prioritize cash back rewards, especially on groceries and streaming services. It offers an impressive cash back structure, making it ideal for families and individuals who frequently shop at supermarkets.
United Club℠ Infinite Card
The United Club℠ Infinite Card caters to travelers, particularly those loyal to United Airlines. With extensive travel perks, including club membership and free checked bags, it is perfect for frequent flyers seeking to maximize their travel experience.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | United Club℠ Infinite Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $525 |
| Welcome Bonus | $250 statement credit after spending $3,000 in the first 6 months | 80,000 bonus miles after spending $5,000 in the first 3 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets, 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations, 3% on transit, 1% on other purchases | 4x miles on United® purchases, 2x miles on all other travel and dining, 1x mile on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Monthly plan fees may apply after 12 months for Plan It® | Standard fees apply |
| Additional Benefits | $84 Disney Bundle Credit, Buy Now, Pay Later options | United Club membership, free checked bags, Premier Access® travel services |
Rewards Highlights
Blue Cash Preferred® Card from American Express
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
United Club℠ Infinite Card
- Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening
- 4x miles on United® purchases
- 2x miles on all other travel and dining
- 1x mile on all other purchases
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on supermarkets and streaming
- Introductory annual fee offer
- Flexible cash back redemption options
- Cons:
- Annual fee after the first year
- Limited to U.S. supermarkets for high cash back rates
United Club℠ Infinite Card
- Pros:
- Comprehensive travel benefits
- United Club membership included
- High rewards on United purchases
- Cons:
- High annual fee
- Best for United Airlines travelers
Who Should Consider Which Card?
- The Blue Cash Preferred® Card from American Express is ideal for:
- Families or individuals who spend significantly on groceries and streaming
- Those looking for cash back rewards
- Users who prefer lower annual fees or introductory offers
- The United Club℠ Infinite Card is suitable for:
- Frequent travelers, especially those loyal to United Airlines
- Individuals who value travel perks like free checked bags
- Those willing to pay a higher annual fee for premium benefits
Conclusion
When choosing between the Blue Cash Preferred® Card from American Express and the United Club℠ Infinite Card, consider your individual spending habits and financial goals. Whether you prioritize cash back on everyday purchases or travel benefits, each card has unique offerings to cater to different lifestyles.