United℠ Club vs Wells Fargo Active Cash®
Side-by-side comparison
| United℠ Club | Wells Fargo Active Cash® | |
|---|---|---|
| Annual fee | $695 | No annual fee |
| Welcome offer | Up to 90,000 bonus miles | $200 cash rewards bonus |
| Dining | 2x | 2x |
| Groceries | 1x | 2x |
| Gas | 1x | 2x |
| Travel | 2x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $340 | $583 |
| Points type | Locked to United MileagePlus | Pools with Wells Fargo → transferable |
| 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 Wells Fargo Active Cash® about $583, 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 Wells Fargo Active Cash® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Wells Fargo Active Cash® delivers more total value, about $564 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. The bigger difference is the ceiling: the Wells Fargo Active Cash® earns points you can move to travel partners for outsized value, while the United℠ Club stays locked to a single airline or hotel program. Favor the Wells Fargo Active Cash® if you will use travel transfers, the United℠ Club if you want simplicity. 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 Wells Fargo Active Cash® if your spending leans toward groceries, gas, streaming.