United℠ Club vs Citi® / AAdvantage® Executive
Side-by-side comparison
| United℠ Club | Citi® / AAdvantage® Executive | |
|---|---|---|
| Annual fee | $695 | $595 |
| Welcome offer | Up to 90,000 bonus miles | 70,000 AAdvantage® Miles |
| Dining | 2x | 1x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 2x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $340 | $292 |
| Points type | Locked to United MileagePlus | Locked to American Airlines AAdvantage |
| Network | Visa | Mastercard |
*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 United℠ Club earns about $340 a year in rewards and the Citi® / AAdvantage® Executive about $292, valuing every point at a flat 1 cent. The United℠ Club charges $695, but carries about $750 in annual statement credits that offset it for anyone who uses them. The Citi® / AAdvantage® Executive charges $595, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the United℠ Club delivers more total value, about $323 a year more for a typical spender, mostly because it earns more where you spend most, on dining and travel. 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 United℠ Club if your spending leans toward dining, travel.