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2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

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Credit card comparison
Overview
	Choice Privileges Select Mastercard Wells Fargo · $95/yr	United Club Card Chase · $695/yr
Annual fee	$95 Lowest	$695
Welcome offerCurrent public offer	60,000 points	Up to 100,000 miles
Rewards	Choice Privileges Points	United MileagePlus
Foreign transaction fee	None	None
Network	Mastercard World Elite	Visa Infinite
Earn ratesPer $1 spent
Gas Stations	5x Highest	1x
Grocery Stores	5x Highest	1x
Home Improvement	5x Highest	1x
Telecom	5x Highest	1x
Dining	1x	2x Highest
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	$120 Global Entry/TSA PreCheck credit · $120 every 4 years	$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	Automatic Platinum Elite status	IHG One Rewards Platinum Elite status
Airline perks	—	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	Zero Liability on unauthorized transactions	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
Cell phone	Up to $800 cell phone protection	—
Other protections	24/7 lost/stolen card assistance worldwide	—
Pros & cons
Pros	Automatic Platinum Elite status with meaningful benefits Industry-leading 10x earning at Choice Hotels Strong 5x earning on gas, grocery, home improvement, and phone plans 30,000 anniversary bonus points (worth ~$180 in stays) 20 elite night credits annually	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	$95 annual fee that may be hard to justify for occasional guests Higher $3,000 spend requirement for welcome bonus vs no-fee card Choice Hotels limited to economy and midscale properties Points value relatively low compared to premium hotel programs No lounge access or premium travel benefits	$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

Choice Privileges Select Mastercard
Wells Fargo · $95/yr
United Club Card
Chase · $695/yr

Overview

Annual fee: Choice Privileges Select Mastercard
$95
Lowest
United Club Card
$695
Welcome offerCurrent public offer: Choice Privileges Select Mastercard
60,000 points
United Club Card
Up to 100,000 miles
Rewards: Choice Privileges Select Mastercard
Choice Privileges Points
United Club Card
United MileagePlus
Foreign transaction fee: Choice Privileges Select Mastercard
None
United Club Card
None
Network: Choice Privileges Select Mastercard
Mastercard World Elite
United Club Card
Visa Infinite

Earn ratesPer $1 spent

Gas Stations: Choice Privileges Select Mastercard
5x
Highest
United Club Card
1x
Grocery Stores: Choice Privileges Select Mastercard
5x
Highest
United Club Card
1x
Home Improvement: Choice Privileges Select Mastercard
5x
Highest
United Club Card
1x
Telecom: Choice Privileges Select Mastercard
5x
Highest
United Club Card
1x
Dining: Choice Privileges Select Mastercard
1x
United Club Card
2x
Highest
Hotels: Choice Privileges Select Mastercard
1x
United Club Card
2x
Highest
Ridesharing: Choice Privileges Select Mastercard
1x
United Club Card
2x
Highest
Transit: Choice Privileges Select Mastercard
1x
United Club Card
2x
Highest
Travel: Choice Privileges Select Mastercard
1x
United Club Card
2x
Highest
Everything else: Choice Privileges Select Mastercard
1x
United Club Card
1x

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

Travel: Choice Privileges Select Mastercard
$120 Global Entry/TSA PreCheck credit · $120 every 4 years
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: Choice Privileges Select Mastercard
—
United Club Card
$150/yr rideshare · $13 monthly
Dining & delivery: Choice Privileges Select Mastercard
—
United Club Card
$20/mo Instacart+ · $20 monthly

Perks & access— means none on record

Lounges: Choice Privileges Select Mastercard
—
United Club Card
United Club membership with guest access
Hotel status & programs: Choice Privileges Select Mastercard
Automatic Platinum Elite status
United Club Card
IHG One Rewards Platinum Elite status
Airline perks: Choice Privileges Select Mastercard
—
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: Choice Privileges Select Mastercard
—
United Club Card
Avis President's Club®
Other perks: Choice Privileges Select Mastercard
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: Choice Privileges Select Mastercard
—
United Club Card
Trip cancellation coverage up to $10,000 per traveler
Trip delay coverage up to $500 after 12 hours
Baggage: Choice Privileges Select Mastercard
—
United Club Card
Baggage delay coverage $100/day up to 3 days
Lost baggage coverage up to $3,000 per traveler
Rental car: Choice Privileges Select Mastercard
—
United Club Card
Primary car rental insurance up to $60,000
Purchase & returns: Choice Privileges Select Mastercard
Zero Liability on unauthorized transactions
United Club Card
Return Protection · up to $500
Purchase protection up to $10,000 per item for 120 days
Extended warranty: Choice Privileges Select Mastercard
—
United Club Card
Extended warranty adds 1 year to manufacturer warranty
Cell phone: Choice Privileges Select Mastercard
Up to $800 cell phone protection
United Club Card
—
Other protections: Choice Privileges Select Mastercard
24/7 lost/stolen card assistance worldwide
United Club Card
—

Pros & cons

Pros: Choice Privileges Select Mastercard
Automatic Platinum Elite status with meaningful benefits
Industry-leading 10x earning at Choice Hotels
Strong 5x earning on gas, grocery, home improvement, and phone plans
30,000 anniversary bonus points (worth ~$180 in stays)
20 elite night credits annually
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: Choice Privileges Select Mastercard
$95 annual fee that may be hard to justify for occasional guests
Higher $3,000 spend requirement for welcome bonus vs no-fee card
Choice Hotels limited to economy and midscale properties
Points value relatively low compared to premium hotel programs
No lounge access or premium travel benefits
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

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