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United MileagePlus® Club card vs Chase Sapphire Preferred® Card

It comes down to premium benefits vs flexible earning.

Steven Dashiell

Updated Jul 15, 2020. What changed?

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These two cards differ in a few key ways. The United MileagePlus® Club card is a premium airline card with a $450 annual fee and a host of premium perks, while the Chase Sapphire Preferred® Card is a mid-tier travel card with a $95 annual fee. But this doesn’t mean the Chase card can’t compete — you still earn the same type of points as the United MileagePlus® Club card and you can easily redeem or transfer points for United flights. So which is the better pick?

	United MileagePlus® Club card See rates & fees	Chase Sapphire Preferred® Card See rates & fees
Finder rating
Finder rating	Not rated yet	★★★★★ 4.3 / 5.0
Best for
Best for	Premium United perks	Travel rewards and a great signup bonus
Welcome offer
Welcome offer	50,000 miles after spending $3,000 in the first 3 months	60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.
Rewards
Rewards	2x miles on United and 1.5x miles on all other purchases	5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
Purchase APR
Purchase APR	17.99% to 24.99% variable	15.99% to 22.99% variable
Annual fee
Annual fee	$450	$95
Balance transfer APR
Balance transfer APR	17.99% to 24.99% variable	15.99% to 22.99% variable
Cash advance
Cash advance	APR: 26.49% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 24.99% variable Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee	None	None
Late payment fee
Late payment fee	Up to $38	Up to $39
Additional cardholder fee
Additional cardholder fee	$0	$0
Interest-free period
Interest-free period	21 days	21 days
Minimum interest
Minimum interest		$0
Minimum credit score
Minimum credit score	670	670
Card type
Card type	Credit	Credit
Learn more
Learn more		Read review

The winner: it depends

For the general traveler, the Chase Sapphire Preferred® Card is going to be the better pick. It earns comparable points to the United card — more in some cases — without the restrictions of having to fly United.

The United MileagePlus® Club card is best suited to United enthusiasts. The big annual fee largely gets you the luxury perks and amenities that help make your United flights more comfortable and valuable.

But if neither card fits the bill, you have plenty of options to choose from. Compare more travel cards to find the one that best fits your travel and spending needs.

Compare United MileagePlus® Club card vs. Chase Sapphire Preferred® Card

Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Chase Sapphire Preferred® Card		60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.	5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases	$95		Earn a signup bonus worth $750 plus up to $50 statement credit towards groceries with this popular travel card.	Apply now View details	Compare	loading Fetching your data...

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Steven Dashiell

Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

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United MileagePlus® Club card vs Chase Sapphire Preferred® Card