United Gateway Card vs. Wells Fargo Autograph Journey Card
On the criteria below, United Gateway Card wins 2 of 3. The verdict depends on which criteria matter to you.
United Gateway Card
Chase
Wells Fargo Autograph Journey Card
Wells Fargo
United Gateway Card wins 2 of 3 criteria here, making it the stronger all-rounder.
United Gateway Card leads on first-year math and annual fee, while Wells Fargo Autograph Journey Card only ties the rest.
Pick the United Gateway Card 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
2 vs 0 (1 tie)- First-year math United Gateway Card
United Gateway Card 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
- Free
- $95
- Welcome offer (typical value)
- $520
- —
- First-year net
- +$520
- $-95
- Peak earning rate
- 5×
- 5×
- Top categories
- Airfare, Travel, Gas
- Hotels, Airlines, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- United MileagePlus
- Wells Fargo Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.