Chase Sapphire Preferred vs. United Gateway Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Chase Sapphire Preferred
Chase
United Gateway Card
Chase
Chase Sapphire Preferred and United Gateway Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Chase Sapphire Preferred wins on first-year math; United Gateway Card wins on annual fee.
Pick the Chase Sapphire Preferred 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 Chase Sapphire Preferred
Chase Sapphire Preferred 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)
- $1,275
- $520
- First-year net
- +$1,180
- +$520
- Peak earning rate
- 5×
- 5×
- Top categories
- Chase Travel Portal, Dining, Travel
- Airfare, Travel, Gas
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Chase Ultimate Rewards
- 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.