Sapphire Preferred vs United Club
Sapphire Preferred
$95/yr
8.0/10
VS
United Club
$695/yr
5.5/10
Quick Answer
Sapphire Preferred charges $95/yr with 1X base rewards. United Club charges $695/yr with 1X base rewards. Sapphire Preferred offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Sapphire Preferred →
PointsPick may earn a commission. Disclosure
Apply for United Club →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Sapphire Preferred
Lower annual fee ($95 vs $695)
Rewards Earning
Sapphire Preferred
6 earning categories
Benefits & Protection
Sapphire Preferred
6 benefits vs 0
Statement Credits
Sapphire Preferred
$170 in annual credits
Flexibility
Sapphire Preferred
Transferable points to airline/hotel partners
OUR PICK
Sapphire Preferred wins for most people
The $600 fee difference is hard to justify unless you maximize premium benefits.
Apply for Sapphire PreferredPREMIUM 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
Sapphire Preferred
| Travel via Chase Portal | 5.0X |
| Dining | 3.0X |
| Online Grocery | 3.0X |
| Streaming | 3.0X |
| Other Travel | 2.0X |
| Everything Else | 1.0X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |
Card Benefits: Detailed Comparison
Sapphire Preferred (6 benefits)
- Trip Cancellation Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Warranty Protection (up to $10,000)
United Club (0 benefits)
No benefits data available