Amazon Visa vs United℠ Club
Side-by-side comparison
| Amazon Visa | United℠ Club | |
|---|---|---|
| Annual fee | No annual fee | $695 |
| Welcome offer | $50 Amazon Gift Card upon approval | Up to 90,000 bonus miles |
| Dining | 2x | 2x |
| Groceries | 3x | 1x |
| Gas | 2x | 1x |
| Travel | 1x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $470 | $340 |
| Points type | Cash back only | Locked to United MileagePlus |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Amazon Visa earns about $470 a year in rewards and the United℠ Club about $340, valuing every point at a flat 1 cent. The Amazon Visa has no annual fee, so its rewards are all profit. The United℠ Club charges $695, but carries about $750 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Amazon Visa delivers more total value, about $481 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and gas. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the United℠ Club currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Amazon Visa if your spending leans toward groceries, gas. Pick the United℠ Club if your spending leans toward travel.