United Gateway Card vs. Wells Fargo Active Cash Card
On the criteria below, United Gateway Card wins 3 of 4. The verdict depends on which criteria matter to you.
United Gateway Card
Chase
Wells Fargo Active Cash Card
Wells Fargo
United Gateway Card wins 3 of 4 criteria here, making it the stronger all-rounder.
United Gateway Card leads on first-year math, earning ceiling, and foreign transactions, while Wells Fargo Active Cash Card only ties the rest.
Pick the United Gateway Card if year-one math is your priority.
Who wins what
3 vs 0 (1 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 United Gateway Card
United Gateway Card earns more on its best category (5× vs 0×).
- 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×
- —
- Top categories
- Airfare, Travel, Gas
- —
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- United MileagePlus
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.