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Compare the Features and Benefits of Capital One Spark Cash Select for Excellent Credit and
United Gateway℠ Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
0% Intro APR on Purchases
No Foreign Transaction Fees
Extended Warranty
Purchase Protection
Trip Protections
Secondary Car Rental CDW Waiver
Concierge Services
Free Access to Credit Score
Annual Fee
$0
Avg. Min. Credit Score
APR on purchases
-
Ongoing APR
18.24%-24.24% (Variable)
Balance transfers fees
-
Best Multiplier
5x Car Rentals
5x Hotels
1.5x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
There is no bonus offer at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(1) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

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Read more
Unique Card Benefits
no
0% Intro APR on Purchases
no
No Foreign Transaction Fees
no
Extended Warranty
no
Purchase Protection
no
Trip Protections
no
Secondary Car Rental CDW Waiver
no
Concierge Services
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850
APR on purchases
0% Intro APR (on purchases for 12 months, 21.24%-28.24% thereafter)
Ongoing APR
21.24%-28.24% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
2x Airfare

Applies only to United purchases. Otherwise, earn 1X

2x Transit
2x Gas Stations
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 30,000 United MileagePlus® Miles after spending $1,000 on qualifying purchases in the first three months of opening an account, plus 0% APR on purchases within the first twelve months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The United Gateway card does a solid job of providing enough benefits to make you wonder if it will be sufficient, vs investing $95 or more on one of the other Chase United credit cards since this is the only one with no annual fee.

The answer will depend on you.

If you fly several times a year and check a bag each time, then you’ll come out ahead paying the $95 annual fee on the United℠ Explorer Card since you’ll get free checked bags (one for you and a companion on the same itinerary) every time you pay with your card on a domestic flight. You also won’t get priority boarding with the Gateway card.

However, if you are on “Team Carry-On Only,” then this card provides many of the same benefits, including the benefit that gives you access to expanded Saver economy coach availability just like a United Silver Premier member. However, unlike all of the other United cards, you won’t be entitled to upgrades on award tickets.

Additionally, you won’t have any opportunities to earn PQPs from spending on this card whereas all the other United cards do offer that benefit.

Lastly, you might do better with a card like the Chase Sapphire Preferred® Card if you aren’t using the checked bag benefit or the expanded award availability benefit. That’s because you’ll have more opportunities to earn points from spend on the Sapphire Preferred, and while you can transfer those points right over to United, you can also take advantage of all of the other Chase Ultimate Rewards airline and hotel transfer partners.

united-gateway-card

In the end, it depends on you if this is a good card for you, or if another similar card might be better.

Read more
Unique Card Benefits
yes
0% Intro APR on Purchases
yes
No Foreign Transaction Fees
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Concierge Services
yes
Free Access to Credit Score
yes

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