Premium Rewards Elite vs United Club
Premium Rewards Elite
$550/yr
5.5/10
VS
United Club
$695/yr
5.5/10
Quick Answer
Premium Rewards Elite charges $550/yr with 1X base rewards. United Club charges $695/yr with 1X base rewards. Premium Rewards Elite 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
Premium Rewards Elite
Lower annual fee ($550 vs $695)
Rewards Earning
Premium Rewards Elite
2 earning categories
Benefits & Protection
Premium Rewards Elite
0 benefits vs 0
Statement Credits
Premium Rewards Elite
$550 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Premium Rewards Elite wins for most people
The $145 fee difference is hard to justify unless you maximize premium benefits.
Apply for Premium Rewards ElitePREMIUM 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
Premium Rewards Elite
| Travel & dining | 2.0X |
| Everything else | 1.5X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |