British Airways Signature vs United Club
British Airways Signature
$95/yr
6.5/10
VS
United Club
$695/yr
5.5/10
Quick Answer
British Airways Signature charges $95/yr with 1X base rewards. United Club charges $695/yr with 1X base rewards. British Airways Signature offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
British Airways Signature
Lower annual fee ($95 vs $695)
Rewards Earning
British Airways Signature
3 earning categories
Benefits & Protection
British Airways Signature
0 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
British Airways Signature wins for most people
The $600 fee difference is hard to justify unless you maximize premium benefits.
Apply for British Airways SignaturePREMIUM PICK
United Club wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ClubRewards Earning: Detailed Comparison
British Airways Signature
| British Airways, Iberia, Aer Lingus, Vueling | 3.0X |
| Hotels | 2.0X |
| Everything else | 1.0X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |