United Club Card vs U.S. Bank Cash+® Visa Signature® Card
Annual fees: United Club Card $695/yr, U.S. Bank Cash+® Visa Signature® Card $0/yr. Strongest bonus categories: United Club Card on hotels, U.S. Bank Cash+® Visa Signature® Card on telecom.
Card data as of October 12, 2026.
United Club CardChase · $695/yr
U.S. Bank Cash+® Visa Signature® CardU.S. Bank · No annual fee
Overview
- Annual fee
- United Club Card$695U.S. Bank Cash+® Visa Signature® Card$0Lowest
- Welcome offerCurrent public offer
- United Club CardUp to 100,000 milesU.S. Bank Cash+® Visa Signature® Card$200 cash back
- Rewards
- United Club CardUnited MileagePlusU.S. Bank Cash+® Visa Signature® CardCash back
- Foreign transaction fee
- United Club CardNoneLowestU.S. Bank Cash+® Visa Signature® Card3%
- Network
- United Club CardVisa InfiniteU.S. Bank Cash+® Visa Signature® CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Department Stores
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Electronics
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Fast Food
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Fitness
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Movie Theaters
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Sporting Goods
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Streaming
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Telecom
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Transit
- United Club Card2xU.S. Bank Cash+® Visa Signature® Card5%
- Utilities
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card5%
- Dining
- United Club Card2xU.S. Bank Cash+® Visa Signature® Card2%
- Gas Stations
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card2%
- Grocery Stores
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card2%
- Hotels
- United Club Card2xU.S. Bank Cash+® Visa Signature® Card1%
- Ridesharing
- United Club Card2xU.S. Bank Cash+® Visa Signature® Card1%
- Travel
- United Club Card2xU.S. Bank Cash+® Visa Signature® Card1%
- Everything else
- United Club Card1xU.S. Bank Cash+® Visa Signature® Card1%
Statement creditsAs the issuer states them · — means none on record
- Travel
- 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
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Rideshare & transit
- United Club Card
- $150/yr rideshare · $13 monthly
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Dining & delivery
- United Club Card
- $20/mo Instacart+ · $20 monthly
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Perks & access— means none on record
- Lounges
- United Club Card
- United Club membership with guest access
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Hotel status & programs
- United Club Card
- IHG One Rewards Platinum Elite status
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Airline perks
- 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
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Car rental
- United Club Card
- Avis President's Club®
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Other perks
- 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
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- United Club Card
- Trip cancellation coverage up to $10,000 per traveler
- Trip delay coverage up to $500 after 12 hours
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Baggage
- United Club Card
- Baggage delay coverage $100/day up to 3 days
- Lost baggage coverage up to $3,000 per traveler
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Rental car
- United Club Card
- Primary car rental insurance up to $60,000
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Purchase & returns
- United Club Card
- Return Protection · up to $500
- Purchase protection up to $10,000 per item for 120 days
U.S. Bank Cash+® Visa Signature® CardNot yet documented - Extended warranty
- United Club Card
- Extended warranty adds 1 year to manufacturer warranty
U.S. Bank Cash+® Visa Signature® CardNot yet documented
Pros & cons
- Pros
- 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
U.S. Bank Cash+® Visa Signature® Card- 5% cash back on two categories of your choice (from 12+ options)
- 2% on one everyday category (dining, gas, or grocery)
- No annual fee
- Visa Signature benefits
- $200 welcome bonus
- Cons
- 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
U.S. Bank Cash+® Visa Signature® Card- Must select 5% categories each quarter (defaults to 1% if forgotten)
- $2,000 combined quarterly cap on 5% categories
- 3% foreign transaction fee
- Base rate only 1% on non-category spend
Category-by-Category Winner
The United Club Card wins in 2 of 2 categories. The U.S. Bank Cash+® Visa Signature® Card leads in 0. 14 more categories depend on booking channel or caps.
Hotels
United Club Card earns 5X vs 1X
5X via issuer travel portal
Travel
Depends: via issuer travel portal
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 2X (2X without restrictions)
Ridesharing
United Club Card earns 2X vs 1X
Transit
Depends: up to $2,000/quarter; 5% applies only if ground transportation is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 2X (2X without restrictions)
Telecom
Depends: up to $2,000/quarter; 5% applies only if cell phone providers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 1X (1X without restrictions)
Streaming
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 1X (1X without restrictions)
Cable TV
Depends: up to $2,000/quarter; 5% applies only if TV, internet and streaming is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 1X (1X without restrictions)
Movie Theaters
Depends: up to $2,000/quarter; 5% applies only if movie theaters is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 1X (1X without restrictions)
Fitness
Depends: up to $2,000/quarter; 5% applies only if gyms/fitness centers is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 1X (1X without restrictions)
Department Stores
Depends: up to $2,000/quarter; 5% applies only if department stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 1X (1X without restrictions)
Electronics
Depends: up to $2,000/quarter; 5% applies only if electronics stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 1X (1X without restrictions)
Sporting Goods
Depends: up to $2,000/quarter; 5% applies only if sporting goods stores is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 1X (1X without restrictions)
Fast Food
Depends: up to $2,000/quarter; 5% applies only if fast food is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 1X (1X without restrictions)
Utilities
Depends: up to $2,000/quarter; 5% applies only if home utilities is one of the two 5% categories you choose each quarter; the $2,000 quarterly limit is combined across both chosen categories.
U.S. Bank Cash+® Visa Signature® Card earns 5X when conditions are met; United Club Card earns 1X (1X without restrictions)
Gas Stations
Depends: 2% applies only if gas stations and EV charging is the one everyday category you choose each quarter.
U.S. Bank Cash+® Visa Signature® Card earns 2X when conditions are met; United Club Card earns 1X (1X without restrictions)
Grocery Stores
Depends: 2% applies only if grocery stores and grocery delivery is the one everyday category you choose each quarter.
U.S. Bank Cash+® Visa Signature® Card earns 2X when conditions are met; United Club Card earns 1X (1X without restrictions)
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.
Close — depends on how much of the credits you use
| Scenario | United Club Card | U.S. Bank Cash+® Visa Signature® Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $440 − Annual fee ($695) Ongoing: -$75 Year one: $1,005 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Close — depends on how much of the credits you use | United Club Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $440 − Annual fee ($695) Ongoing: $465 Year one: $1,545 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Close — depends on how much of the credits you use | United Club Card |
Is the Fee Difference Worth It?
The United Club Card costs $695/yr — that's $695 more than the U.S. Bank Cash+® Visa Signature® Card (no annual fee). To justify that gap, you need to extract at least $695 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 $695 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $695 fee gap means the United Club Card needs roughly $695 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 U.S. Bank Cash+® Visa Signature® Card means losing:
- -Airport lounge access
- -Free checked bags
- -Global Entry credit
Which Card Is Right for You?
Get the United Club Card if you:
- +Fly frequently and value airport lounge access
Get the U.S. Bank Cash+® Visa Signature® Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Close — depends on how much of the credits you use
Published annual fees: United Club Card $695/yr, U.S. Bank Cash+® Visa Signature® Card $0/yr — a $695 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 $0/yr for the U.S. Bank Cash+® Visa Signature® Card. Compare the year-one vs ongoing value table on this page — the $695 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 United Club Card or U.S. Bank Cash+® Visa Signature® 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 United Club Card have that the U.S. Bank Cash+® Visa Signature® Card doesn't?
- The United Club Card offers lounge access, travel credits. The U.S. Bank Cash+® Visa Signature® Card focuses more on earn rates than premium perks.
- Should I get the United Club Card or the U.S. Bank Cash+® Visa Signature® Card?
- Use the spend scenarios on this page: the U.S. Bank Cash+® Visa Signature® Card has a lower $0/yr fee; the United Club Card must earn enough extra (or offer a larger welcome bonus) to justify $695/yr.
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.