American Express® Blue Cash Preferred vs United℠ Club
Side-by-side comparison
| American Express® Blue Cash Preferred | United℠ Club | |
|---|---|---|
| Annual fee | $95 | $695 |
| Welcome offer | $300 statement credit | Up to 90,000 bonus miles |
| Dining | 1x | 2x |
| Groceries | 6x | 1x |
| Gas | 3x | 1x |
| Travel | 1x | 2x |
| Streaming | 6x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $679 | $340 |
| Points type | Cash back only | Locked to United MileagePlus |
| Network | Amex | 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 American Express® Blue Cash Preferred earns about $679 a year in rewards and the United℠ Club about $340, valuing every point at a flat 1 cent. The American Express® Blue Cash Preferred charges $95, but carries about $84 in annual statement credits that offset it for anyone who uses them. 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 American Express® Blue Cash Preferred delivers more total value, about $607 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 American Express® Blue Cash Preferred if your spending leans toward groceries, gas, streaming. Pick the United℠ Club if your spending leans toward dining, travel.