Disney vs United Club
Disney
$0/yr
7.0/10
VS
United Club
$695/yr
5.5/10
Quick Answer
Disney charges no annual fee with 1X base rewards. United Club charges $695/yr with 1X base rewards. Disney offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Disney →
PointsPick may earn a commission. Disclosure
Apply for United Club →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Disney
Lower annual fee ($0 vs $695)
Rewards Earning
Disney
2 earning categories
Benefits & Protection
Disney
0 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Disney wins for most people
The $695 fee difference is hard to justify unless you maximize premium benefits.
Apply for DisneyPREMIUM 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
| Disney purchases (parks, stores, Disney+) | 2.0X |
| Everything else | 1.0X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |