First-year winner
United Gateway Card
$376 Year 1 edge
$741 vs $365
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
United Gateway Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
No Annual Fee
Other · No listed cash value
Cardmembers can earn United miles without paying a recurring annual fee.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible purchases made outside the U.S. do not incur foreign transaction fees.
Perk
Earn Two Checked Bags
Other · No listed cash value
Earn two checked bags on United- or United Express-operated flights after meeting the annual spend requirement.
Perk
25% Back on United Inflight Purchases
Other · No listed cash value
Receive 25% back as a statement credit on eligible United inflight food, beverage, Wi-Fi, and Club premium drink purchases.
Card B
Capital One VentureOne Rewards Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Capital One Travel Booking Tools
Price Protection · No listed cash value
Capital One Travel includes booking features such as price monitoring, change-support workflows, and issuer-managed travel booking features.
Perk
Capital One Entertainment Access
Other · No listed cash value
Eligible cardholders can access event inventory and experiences through the Capital One Entertainment platform.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Verdict
United Gateway wins year 1. Capital One VentureOne wins long term.
Winner after year 1
Capital One VentureOne Rewards Credit Card
$24 ongoing edge
$365 vs $341
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Chase
United Gateway Card
Year One
$741
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$341
Annual rewards + counted benefits - fee
Annual Rewards
$341
1.17% effective return
Welcome Offer
$400
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$1,000
3 mo window · $333/mo pace · Comfortable
Why it wins
- • Stays usable for international purchases.
Watch for
- • The points value case is thinner without transfer-partner flexibility.
Capital One
Capital One VentureOne Rewards Credit Card
Year One
$365
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$365
Annual rewards + counted benefits - fee
Annual Rewards
$365
1.25% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • Stays usable for international purchases.
Watch for
- • There is no meaningful active welcome offer in the current dataset.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
1x
$5,400
United Gateway
$54
1.00%
Capital One VentureOne
$68
1.25%
Groceries
1x
$7,800
United Gateway
$78
1.00%
Capital One VentureOne
$98
1.25%
Travel
2x
$3,000
United Gateway
$60
2.00%
Capital One VentureOne
$38
1.25%
Gas
2x
$1,920
United Gateway
$38
2.00%
Capital One VentureOne
$24
1.25%
General
1x
$11,040
United Gateway
$110
1.00%
Capital One VentureOne
$138
1.25%
Total annual spend
$29,160 across this mix
United Gateway$341
Capital One VentureOne$365
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | United Gateway Card | Capital One VentureOne Rewards Credit Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | None | None |
| Rewards | ||
| Gas rewards | 2x 2X miles at gas stations. | — |
| Travel rewards | 2x 2X miles on United purchases. | 5x 5X miles on hotels and rental cars booked through Capital One Travel. |
| All rewards | 1x | 1.25x |
| Offer | ||
| Welcome offer | Earn up to 40,000 bonus miles Earn 30,000 bonus miles after spending $1,000 in the first 3 months, plus 10,000 bonus miles after adding an authorized user in the first 3 months. | — |
| Benefits | ||
| Estimated benefits | 4 listed | 4 listed |
| Benefit highlights | No Annual Fee · No Foreign Transaction Fees · Earn Two Checked Bags · +1 more | Capital One Travel Booking Tools · Capital One Entertainment Access · No Annual Fee · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | — | — |
| Reward type | Miles | Miles |
Costs
Annual fee
United Gateway Card
Free
Capital One VentureOne Rewards Credit Card
Free
Foreign transaction fee
United Gateway Card
None
Capital One VentureOne Rewards Credit Card
None
Rewards
Gas rewards
United Gateway Card
2x
2X miles at gas stations.
Capital One VentureOne Rewards Credit Card
—
Travel rewards
United Gateway Card
2x
2X miles on United purchases.
Capital One VentureOne Rewards Credit Card
5x
5X miles on hotels and rental cars booked through Capital One Travel.
All rewards
United Gateway Card
1x
Capital One VentureOne Rewards Credit Card
1.25x
Offer
Welcome offer
United Gateway Card
Earn up to 40,000 bonus miles
Earn 30,000 bonus miles after spending $1,000 in the first 3 months, plus 10,000 bonus miles after adding an authorized user in the first 3 months.
Capital One VentureOne Rewards Credit Card
—
Benefits
Estimated benefits
United Gateway Card
4 listed
Capital One VentureOne Rewards Credit Card
4 listed
Benefit highlights
United Gateway Card
No Annual Fee · No Foreign Transaction Fees · Earn Two Checked Bags · +1 more
Capital One VentureOne Rewards Credit Card
Capital One Travel Booking Tools · Capital One Entertainment Access · No Annual Fee · +1 more
Profile
Credit needed
United Gateway Card
Good
Capital One VentureOne Rewards Credit Card
Good
Network
United Gateway Card
—
Capital One VentureOne Rewards Credit Card
—
Reward type
United Gateway Card
Miles
Capital One VentureOne Rewards Credit Card
Miles