Chase Sapphire Preferred or Chase United Club?

Chase Sapphire Preferred returns $455 over its fee and Chase United Club returns $119, so the fee difference comes down to which categories you use.

Chase Sapphire PreferredChase · $95 fee · 5 credits

Chase United ClubChase · $695 fee · 5 credits

NET VALUE+$455$550 credits

NET VALUE+$119$814 credits

CATEGORY	SAPPHIRE PREFERRED	UNITED CLUB
🌎Travel	$100	$400
🍽️Food & Dining	$240	$240
🎭Entertainment & Media	$180	—
🚗Transportation	—	$144
Lounge Access	—	United Club Membership
Total credits	$550	$814
Annual fee	$95	$695
Net value	+$455	+$119

BEST NET VALUE

CHASEChase Sapphire Preferred

FEE$95

CREDITS$550

NET+$455

Category wins1 of 4

CHASEChase United Club

FEE$695

CREDITS$814

NET+$119

Category wins2 of 4

ADDITIONAL BENEFITS

LOUNGE ACCESS

United Club Membership

TAKE THE SAPPHIRE PREFERRED IF

You use entertainment & media. Entertainment & Media alone is worth $180 here and nothing on the United Club.

TAKE THE UNITED CLUB IF

You use travel, transportation. Transportation alone is worth $144 here and nothing on the Sapphire Preferred.

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Frequently asked questions

Which is better, Chase Sapphire Preferred or Chase United Club?

The Chase Sapphire Preferred is better with $455 net annual value compared to the Chase United Club at $119. The Chase Sapphire Preferred wins by $336/year.

What's the difference between Chase Sapphire Preferred and Chase United Club?

The key differences: Chase United Club has a $695 annual fee and $814 in annual benefits, while Chase Sapphire Preferred has a $95 annual fee and $550 in annual benefits. The annual fee difference is $600.

Which has a lower annual fee, Chase Sapphire Preferred or Chase United Club?

The Chase Sapphire Preferred has a lower annual fee at $95 compared to the Chase United Club at $695. However, the Chase United Club offers $814 in total annual benefits.

Is the Chase Sapphire Preferred worth it compared to the Chase United Club?

Yes, the Chase Sapphire Preferred offers better value with $455 net annual value compared to $119 for the Chase United Club. It also has a lower annual fee.

Which card is better for travel?

The Chase United Club is better for travel with $400 in annual travel benefits compared to $100 for the Chase Sapphire Preferred.

Should I get the Chase Sapphire Preferred?

If you're deciding between the Chase Sapphire Preferred and Chase United Club, the Chase Sapphire Preferred is the better choice with $455 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.