Chase Sapphire Preferred® Card vs United Gateway Card

Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Chase

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United Gateway CardUnited Gateway Card

Chase

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Annual Fee
$95
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
United MileagePlus
Point Value
2.00¢/pt
1.35¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
75,000 Chase Ultimate Rewards after $5,000 in 3 months
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Effective return by category

CategoryChase Sapphire Preferred® CardUnited Gateway Card
Card Travel Portals10.00%
5x
1.35%
1x
Dining & Restaurants6.00%
3x
1.35%
1x
Streaming6.00%
3x
1.35%
1x
Gas Stations6.00%
3x
2.70%
2x
EV Charging6.00%
3x
1.35%
1x
Travel4.00%
2x
1.35%
1x
Airfare4.00%
2x
1.35%
1x
Hotels & Lodging4.00%
2x
1.35%
1x
Car Rentals4.00%
2x
1.35%
1x
Rideshare & Transit4.00%
2x
2.70%
2x
Everything else2.00%
1x
1.35%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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