United Gateway Card vs. Citi Double Cash Card
On the criteria below, United Gateway Card wins 3 of 5. The verdict depends on which criteria matter to you.
United Gateway Card
Chase
Citi Double Cash Card
Citi
United Gateway Card wins 3 of 5 criteria here, making it the stronger all-rounder.
United Gateway Card leads on first-year math, travel insurance, and foreign transactions, while Citi Double Cash Card only ties the rest.
Pick the United Gateway Card if year-one math is your priority.
Who wins what
3 vs 0 (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.
- Foreign transactions United Gateway Card
United Gateway Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $520
- $200
- First-year net
- +$520
- +$200
- Peak earning rate
- 5×
- 5×
- Top categories
- Airfare, Travel, Gas
- Travel Portal
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- United MileagePlus
- Citi ThankYou Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.