Capital One Venture Rewards Credit Card vs. United Gateway Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Capital One Venture Rewards Credit Card
Capital One
United Gateway Card
Chase
Capital One Venture Rewards Credit Card and United Gateway Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Capital One Venture Rewards Credit Card wins on first-year math; United Gateway Card wins on annual fee.
Pick the Capital One Venture Rewards Credit Card if year-one math is your priority; take the United Gateway Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 1 (1 tie)- First-year math Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee United Gateway Card
United Gateway Card is $95 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
By the numbers
- Annual fee
- $95
- Free
- Welcome offer (typical value)
- $1,125
- $520
- First-year net
- +$1,030
- +$520
- Peak earning rate
- 5×
- 5×
- Top categories
- Travel Portal, Capital One Entertainment
- Airfare, Travel, Gas
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Capital One Miles
- United MileagePlus
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.