Card comparisonSide by side
United Club℠ Card vs United Gateway℠ Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, and Reward Program are editorial labels and may still be pending enrichment. A rating is shown only when available.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | Chase |
Card Network | ||
Card Type Data: 2/2 cards | travel | travel |
Card Tier Data: 2/2 cards | Luxury | Entry Level |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $695 | $0 |
Foreign Transaction Fee | — | None |
Purchase APR | 19.74% – 28.24% | 19.74% – 28.24% |
Intro APR | — | 0% for 12 months |
| Rewards | ||
Welcome Bonus | Earn 90,000 miles | Earn 30,000 miles |
Reward Rate Data: 2/2 cards | 11x miles on eligible united flights | 5x miles on eligible united flights |
Reward Program Data: 2/2 cards | United MileagePlus | United MileagePlus |
| Earning Rates | ||
| All other purchases | — | 1x miles |
| Eligible United flights | — | 5x milesIncludes 3x miles as a MileagePlus member and 2x miles on purchase with the Gateway Card |
| Gas stations | — | 2x miles |
| Local transit and commuting | — | 2x milesIncludes ride share services, taxicabs, train tickets, tolls, and mass transit |
| United purchases | — | 2x milesAll other eligible United purchases |
| all other eligible United purchases | 5x miles | — |
| all other purchases | 1x miles | — |
| all other travel | 2x milesincluding airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls | — |
| dining | 2x milesincluding eligible delivery services | — |
| eligible United flights | 11x miles6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 5x miles on entire United purchase with United Club Card. | — |
| hotel stays prepaid directly through Renowned Hotels and Resorts | 5x milesprepay directly through Renowned Hotels and Resorts for United Cardmembers | — |
| Benefits | ||
Key Benefits |
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