Disney Premier vs United Club
Disney Premier
$49/yr
6.5/10
VS
United Club
$695/yr
5.5/10
Quick Answer
Disney Premier charges $49/yr with 1X base rewards. United Club charges $695/yr with 1X base rewards. Disney Premier offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Disney Premier →
PointsPick may earn a commission. Disclosure
Apply for United Club →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Disney Premier
Lower annual fee ($49 vs $695)
Rewards Earning
Disney Premier
2 earning categories
Benefits & Protection
Disney Premier
0 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Disney Premier wins for most people
The $646 fee difference is hard to justify unless you maximize premium benefits.
Apply for Disney PremierPREMIUM 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
Disney Premier
| Disney direct purchases | 2.0X |
| Everything else | 1.0X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |