Card comparisonSide by side
United Club(SM) Card vs United GatewaySM 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, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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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 | Premium | 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 90,000 miles | Earn 30,000 miles |
Bonus Value | $900 | $300 |
Reward Rate Data: 2/2 cards | 5x miles on other united purchases | 5x miles on eligible united flights |
Reward Program Data: 2/2 cards | United MileagePlus | United MileagePlus |
| Earning Rates | ||
| All other purchases | 1x miles | — |
| Dining | 2x milesIncludes eligible delivery services. | — |
| Other United purchases | 5x miles | — |
| Other travel | 2x milesIncludes airfare, trains, transit, cruises, hotels, car rentals, rideshare, and tolls. | — |
| Renowned Hotels and Resorts prepaid bookings | 5x miles | — |
| United flights | 5x milesAdditional miles earned through MileagePlus membership depending on status and fare class. | — |
| all other eligible United purchases | — | 2x miles |
| all other purchases | — | 1x miles |
| eligible United flights | — | 5x milesIncludes 3x miles as a MileagePlus member plus 2x miles on purchase with card |
| gas stations | — | 2x miles |
| local transit and commuting | — | 2x milesIncludes rideshare, taxicabs, train tickets, tolls, and mass transit |
| Benefits | ||
Key Benefits |
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