United℠ Club vs U.S. Bank Cash+®
Side-by-side comparison
| United℠ Club | U.S. Bank Cash+® | |
|---|---|---|
| Annual fee | $695 | No annual fee |
| Welcome offer | Up to 90,000 bonus miles | $250 rewards bonus |
| Dining | 2x | 2x |
| Groceries | 1x | 2x |
| Gas | 1x | 5x |
| Travel | 2x | 5x |
| Streaming | 1x | 5x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $340 | $564 |
| Points type | Locked to United MileagePlus | Cash back only |
| 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 United℠ Club earns about $340 a year in rewards and the U.S. Bank Cash+® about $564, 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 U.S. Bank Cash+® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the U.S. Bank Cash+® delivers more total value, about $544 a year more for a typical spender, mostly because it earns more where you spend most, on gas and 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 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 U.S. Bank Cash+® if your spending leans toward groceries, gas, travel.