United Club vs United Gateway
United Club
$695/yr
5.5/10
VS
United Gateway
$0/yr
7.0/10
Quick Answer
United Club charges $695/yr with 1X base rewards. United Gateway charges no annual fee with 1X base rewards. United Gateway offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
United Gateway
Lower annual fee ($695 vs $0)
Rewards Earning
United Gateway
4 earning categories
Benefits & Protection
United Club
0 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
United Gateway wins for most people
The $695 fee difference is hard to justify unless you maximize premium benefits.
Apply for United GatewayPREMIUM PICK
United Club wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ClubRewards Earning: Detailed Comparison
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |
United Gateway
| United Airlines purchases | 2.0X |
| Gas stations | 2.0X |
| Local transit & commuting | 2.0X |
| Everything else | 1.0X |