Head to head 
Capital One VentureOne Rewards Credit Card vs. United Gateway Card
On the criteria below, United Gateway Card wins 2 of 4. The verdict depends on which criteria matter to you.
Capital One VentureOne Rewards Credit Card
Capital One
United Gateway Card
Chase
At a glance
United Gateway Card wins 2 of 4 criteria here, making it the stronger all-rounder.
United Gateway Card leads on first-year math and travel insurance, while Capital One VentureOne Rewards Credit Card only ties the rest.
Pick the United Gateway Card if year-one math is your priority.
Who wins what
0 vs 2 (2 tie)- First-year math United Gateway Card
United Gateway Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Travel insurance United Gateway Card
United Gateway Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $300
- $520
- First-year net
- +$300
- +$520
- Peak earning rate
- 5×
- 5×
- Top categories
- Travel Portal, Capital One Entertainment
- Airfare, Travel, Gas
- Lounge access
- No
- No
- Travel insurance
- No
- 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.