United℠ Club vs JetBlue Premier
Side-by-side comparison
| United℠ Club | JetBlue Premier | |
|---|---|---|
| Annual fee | $695 | $499 |
| Welcome offer | Up to 90,000 bonus miles | |
| Dining | 2x | 2x |
| Groceries | 1x | 2x |
| Gas | 1x | 1x |
| Travel | 2x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $340 | $382 |
| Points type | Locked to United MileagePlus | Locked to JetBlue TrueBlue |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | United℠ Club | JetBlue Premier |
|---|---|---|
| Welcome bonus | Up to 90,000 bonus miles | 100,000 bonus points |
| To earn it | $5,000 in 3 months | $5,000 in 90 days |
| Est. first-year value* | $545 | $883 |
| Est. ongoing value / yr* | $-355 | $-117 |
The JetBlue Premier wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | United℠ Club | JetBlue Premier |
|---|---|---|
| Lounge access | Yes — United Club | Yes — Priority Pass |
| Annual credits | None | None |
| Points & redemptions | Locked to a single program | Locked to a single program |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the United℠ Club earns about $340 a year in rewards and the JetBlue Premier about $382, valuing every point at a flat 1 cent. The United℠ Club charges $695, which you clear through its rewards and perks. The JetBlue Premier charges $499, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the JetBlue Premier delivers more total value, about $238 a year more for a typical spender, mostly because it earns more where you spend most, on groceries. 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 two are currently comparable in size. Note that JetBlue Premier is running a limited-time offer above the usual amount, so that edge may not last. 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 travel. Pick the JetBlue Premier if your spending leans toward groceries.