Card comparisonSide by side
United Club(SM) Card vs United Gateway(SM) Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
Pair snapshot
2
cards
A-B
comparison
Comparison table
The numbers, lined up.
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, Rating, and Reward Program are editorial labels and may still be pending enrichment.
Swipe horizontally to compare all columns
| 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 | Excellent(750+) | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $695 | $0 |
Foreign Transaction Fee | None | None |
Purchase APR | 19.74% – 28.24% | 19.74% – 28.24% |
Intro APR | — | 0% for 12 months |
| Rewards | ||
Welcome Bonus | Earn 80,000 miles | Earn 30,000 miles |
Bonus Value | $800 | $300 |
Reward Rate Data: 2/2 cards | 11x miles on eligible united flights | 5x miles on united flights |
Reward Program Data: 2/2 cards | United MileagePlus | United MileagePlus |
| Earning Rates | ||
| All other eligible United purchases | 5x milesIncludes airline ticket purchases directly from United | — |
| All other purchases | 1x milesOn all purchases that do not qualify for a higher multiplier | 1x miles |
| Dining | 2x milesIncludes eligible delivery services | — |
| Eligible United flights | 11x milesIncludes 6x miles as a MileagePlus member plus 5x miles with the United Club Card | — |
| Gas stations | — | 2x miles |
| Local transit and commuting | — | 2x milesIncludes rideshares, taxicabs, train tickets, tolls, and mass transit |
| Other United purchases | — | 2x milesIncludes seat upgrades, Economy Plus, inflight food, beverages, Wi-Fi, and baggage service charges from United |
| Other travel | 2x milesIncludes airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls | — |
| Prepaid hotel stays through Renowned Hotels and Resorts | 5x milesMust prepay directly through Renowned Hotels and Resorts for United Cardmembers | — |
| United flights | — | 5x milesIncludes 3x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the card |
| Benefits | ||
Key Benefits |
|
|