Head to head 
United Gateway Card vs. Sam's Club Mastercard
On the criteria below, United Gateway Card wins 2 of 4. The verdict depends on which criteria matter to you.
United Gateway Card
Chase
Sam's Club Mastercard
Synchrony
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 Sam's Club Mastercard only ties the rest.
Pick the United Gateway Card if year-one math is your priority.
Who wins what
2 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.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $520
- $30
- First-year net
- +$520
- +$30
- Peak earning rate
- 5×
- 5×
- Top categories
- Airfare, Travel, Gas
- Gas Ev Charging, Dining, Sams Club Purchases
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- United MileagePlus
- Sam's Cash
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.