United Club vs Xbox
United Club
$695/yr
5.5/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
United Club charges $695/yr with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Xbox 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
Xbox
Lower annual fee ($695 vs $0)
Rewards Earning
Xbox
3 earning categories
Benefits & Protection
United Club
0 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Xbox wins for most people
The $695 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM 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
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |