Is the United Club Card worth the higher annual fee?

The United Club Card costs $695/yr vs $99/yr for the JetBlue Plus Card. Compare the year-one vs ongoing value table on this page — the $596 gap must be offset by higher earn rates, welcome offers, or credits you will use (the United Club Card also lists lounge access, travel credits).

Which card earns more rewards, the JetBlue Plus Card or United Club Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the JetBlue Plus Card have that the United Club Card doesn't?

The JetBlue Plus Card offers travel credits. The United Club Card offers lounge access, travel credits.

Should I get the JetBlue Plus Card or the United Club Card?

Use the spend scenarios on this page: the JetBlue Plus Card has a lower $99/yr fee; the United Club Card must earn enough extra (or offer a larger welcome bonus) to justify $695/yr.

JetBlue Plus Card vs United Club Card

Annual fees: JetBlue Plus Card $99/yr, United Club Card $695/yr. Strongest bonus categories: JetBlue Plus Card on dining, United Club Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	JetBlue Plus Card Barclays · $99/yr	United Club Card Chase · $695/yr
Annual fee	$99 Lowest	$695
Welcome offerCurrent public offer	70,000 points	Up to 100,000 miles
Rewards	JetBlue TrueBlue Rewards Program	United MileagePlus
Foreign transaction fee	None	None
Network	Mastercard World Elite	Visa Infinite
Earn ratesPer $1 spent
Dining	2x	2x
Grocery Stores	2x Highest	1x
Hotels	1x	2x Highest
Ridesharing	1x	2x Highest
Transit	1x	2x Highest
Travel	1x	2x Highest
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$100 JetBlue Vacations	$200 Renowned Hotels $100 Avis/Budget travel $200/yr JSX flights $120 Global Entry/TSA PreCheck 25% United inflight purchases · $25 per transaction
Rideshare & transit	—	$150/yr rideshare · $13 monthly
Dining & delivery	—	$20/mo Instacart+ · $20 monthly
Perks & access— means none on record
Lounges	—	United Club membership with guest access
Hotel status & programs	—	IHG One Rewards Platinum Elite status
Airline perks	Save 50% on inflight food and drinks First checked bag free for cardholder plus 3 companions	Earn up to 20,000-miles in award flight discounts each year Premier Access priority boarding and security lanes Free first and second checked bags for you plus companion Premier upgrades on award tickets
Car rental	—	Avis President's Club®
Other perks	No foreign transaction fees	10% or more off United awards MileagePlus miles don't expire United Card Events from Chase and United MileagePlus Events Earn up to 28,000 Premier® qualifying points (PQP) No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Trip cancellation coverage up to $10,000 per traveler Trip delay coverage up to $500 after 12 hours
Baggage	—	Baggage delay coverage $100/day up to 3 days Lost baggage coverage up to $3,000 per traveler
Rental car	—	Primary car rental insurance up to $60,000
Purchase & returns	—	Return Protection · up to $500 Purchase protection up to $10,000 per item for 120 days
Extended warranty	—	Extended warranty adds 1 year to manufacturer warranty
Pros & cons
Pros	6x points on JetBlue purchases provides strong earning rate Free first checked bag extends to up to 3 companions on same reservation 10% points back when redeeming for JetBlue award flights 50% off eligible inflight food and drinks 5,000 anniversary bonus points each year	Full United Club membership included ($750/year value) with 1 adult guest Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs Two free checked bags for cardholder plus companion 5x miles on United purchases (highest among United cards) Save 10% or more when booking flights with miles
Cons	$99 annual fee may not be justified for occasional flyers No lounge access benefit No companion certificate No priority boarding Only 2x points on restaurants and groceries (same as no-fee card)	$695 annual fee is the highest among United cards United Club access only useful at airports with United presence Guest policy limited to 1 adult (plus children under 18) Renowned Hotels credit requires booking through specific portal No direct TravelBank credit like Quest card offers
	Card details	Card details

JetBlue Plus Card
Barclays · $99/yr
United Club Card
Chase · $695/yr

Overview

Annual fee: JetBlue Plus Card
$99
Lowest
United Club Card
$695
Welcome offerCurrent public offer: JetBlue Plus Card
70,000 points
United Club Card
Up to 100,000 miles
Rewards: JetBlue Plus Card
JetBlue TrueBlue Rewards Program
United Club Card
United MileagePlus
Foreign transaction fee: JetBlue Plus Card
None
United Club Card
None
Network: JetBlue Plus Card
Mastercard World Elite
United Club Card
Visa Infinite

Earn ratesPer $1 spent

Dining: JetBlue Plus Card
2x
United Club Card
2x
Grocery Stores: JetBlue Plus Card
2x
Highest
United Club Card
1x
Hotels: JetBlue Plus Card
1x
United Club Card
2x
Highest
Ridesharing: JetBlue Plus Card
1x
United Club Card
2x
Highest
Transit: JetBlue Plus Card
1x
United Club Card
2x
Highest
Travel: JetBlue Plus Card
1x
United Club Card
2x
Highest
Everything else: JetBlue Plus Card
1x
United Club Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: JetBlue Plus Card
$100 JetBlue Vacations
United Club Card
$200 Renowned Hotels
$100 Avis/Budget travel
$200/yr JSX flights
$120 Global Entry/TSA PreCheck
25% United inflight purchases · $25 per transaction
Rideshare & transit: JetBlue Plus Card
—
United Club Card
$150/yr rideshare · $13 monthly
Dining & delivery: JetBlue Plus Card
—
United Club Card
$20/mo Instacart+ · $20 monthly

Perks & access— means none on record

Lounges: JetBlue Plus Card
—
United Club Card
United Club membership with guest access
Hotel status & programs: JetBlue Plus Card
—
United Club Card
IHG One Rewards Platinum Elite status
Airline perks: JetBlue Plus Card
Save 50% on inflight food and drinks
First checked bag free for cardholder plus 3 companions
United Club Card
Earn up to 20,000-miles in award flight discounts each year
Premier Access priority boarding and security lanes
Free first and second checked bags for you plus companion
Premier upgrades on award tickets
Car rental: JetBlue Plus Card
—
United Club Card
Avis President's Club®
Other perks: JetBlue Plus Card
No foreign transaction fees
United Club Card
10% or more off United awards
MileagePlus miles don't expire
United Card Events from Chase and United MileagePlus Events
Earn up to 28,000 Premier® qualifying points (PQP)
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: JetBlue Plus Card
—
United Club Card
Trip cancellation coverage up to $10,000 per traveler
Trip delay coverage up to $500 after 12 hours
Baggage: JetBlue Plus Card
—
United Club Card
Baggage delay coverage $100/day up to 3 days
Lost baggage coverage up to $3,000 per traveler
Rental car: JetBlue Plus Card
—
United Club Card
Primary car rental insurance up to $60,000
Purchase & returns: JetBlue Plus Card
—
United Club Card
Return Protection · up to $500
Purchase protection up to $10,000 per item for 120 days
Extended warranty: JetBlue Plus Card
—
United Club Card
Extended warranty adds 1 year to manufacturer warranty

Pros & cons

Pros: JetBlue Plus Card
6x points on JetBlue purchases provides strong earning rate
Free first checked bag extends to up to 3 companions on same reservation
10% points back when redeeming for JetBlue award flights
50% off eligible inflight food and drinks
5,000 anniversary bonus points each year
United Club Card
Full United Club membership included ($750/year value) with 1 adult guest
Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
Two free checked bags for cardholder plus companion
5x miles on United purchases (highest among United cards)
Save 10% or more when booking flights with miles
Cons: JetBlue Plus Card
$99 annual fee may not be justified for occasional flyers
No lounge access benefit
No companion certificate
No priority boarding
Only 2x points on restaurants and groceries (same as no-fee card)
United Club Card
$695 annual fee is the highest among United cards
United Club access only useful at airports with United presence
Guest policy limited to 1 adult (plus children under 18)
Renowned Hotels credit requires booking through specific portal
No direct TravelBank credit like Quest card offers

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The United Club Card wins in 4 of 5 categories. The JetBlue Plus Card leads in 1.

Grocery Stores

JetBlue Plus Card earns 2X vs 1X

Hotels

United Club Card earns 5X vs 1X

5X via issuer travel portal

Travel

United Club Card earns 2X vs 1X

Ridesharing

United Club Card earns 2X vs 1X

Transit

United Club Card earns 2X vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Modeled value is close across spend levels — especially once statement credits are counted.

Scenario	JetBlue Plus Card	United Club Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $211 Credits (our usable estimate): $5 − Annual fee ($99) Ongoing: $117 Year one: $1,062	Rewards: $180 Credits (our usable estimate): $440 − Annual fee ($695) Ongoing: -$75 Year one: $1,005	Close — depends on how much of the credits you use	Close — depends on how much of the credits you use
Heavy spender: $4,000/month	Rewards: $842 Credits (our usable estimate): $5 − Annual fee ($99) Ongoing: $748 Year one: $1,693	Rewards: $720 Credits (our usable estimate): $440 − Annual fee ($695) Ongoing: $465 Year one: $1,545	JetBlue Plus Card	Close — depends on how much of the credits you use

Is the Fee Difference Worth It?

The United Club Card costs $695/yr — that's $596 more than the JetBlue Plus Card ($99/yr). To justify that gap, you need to extract at least $596 in annual value from the card's higher earn rates and benefits.

The United Club Card includes travel credits, lounge access, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $596 fee gap for your own usage.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $596 fee gap means the United Club Card needs roughly $596 more in annual rewards (or credits you will use) to break even on hotels and travel and everyday spend.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing JetBlue Plus Card means losing:

-Airport lounge access
-Global Entry credit

Which Card Is Right for You?

Get the JetBlue Plus Card if you:

+Do most of your spending at grocery stores

Get the United Club Card if you:

+Fly frequently and value airport lounge access

The Bottom Line

Modeled value is close across spend levels — especially once statement credits are counted.

Published annual fees: JetBlue Plus Card $99/yr, United Club Card $695/yr — a $596 difference before welcome offers and credits.

Frequently Asked Questions

Is the United Club Card worth the higher annual fee?: The United Club Card costs $695/yr vs $99/yr for the JetBlue Plus Card. Compare the year-one vs ongoing value table on this page — the $596 gap must be offset by higher earn rates, welcome offers, or credits you will use (the United Club Card also lists lounge access, travel credits).
Which card earns more rewards, the JetBlue Plus Card or United Club Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the JetBlue Plus Card have that the United Club Card doesn't?: The JetBlue Plus Card offers travel credits. The United Club Card offers lounge access, travel credits.
Should I get the JetBlue Plus Card or the United Club Card?: Use the spend scenarios on this page: the JetBlue Plus Card has a lower $99/yr fee; the United Club Card must earn enough extra (or offer a larger welcome bonus) to justify $695/yr.

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Official issuer pages: Barclays cards · Chase cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.