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Compare the Features and Benefits of United Gateway℠ Card and
Capital One Venture X Business

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
No Foreign Transaction Fees
Extended Warranty
Secondary Car Rental CDW Waiver
0% Intro APR on Purchases
Purchase Protection
Trip Protections
Concierge Services
Free Access to Credit Score
Has No Preset Spending Limit
Airport Lounge Access
Annual Statement Credits
Does Not Report Credit Line to Personal Credit Profile
Earns Transferable Points
No Fees for Authorized Users
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 21.99%-28.99% thereafter)
Ongoing APR
21.99%-28.99% (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. Offer ends August 7, 2024.

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
No Foreign Transaction Fees
yes
Extended Warranty
yes
Secondary Car Rental CDW Waiver
yes
0% Intro APR on Purchases
yes
Purchase Protection
yes
Trip Protections
yes
Concierge Services
yes
Free Access to Credit Score
yes
Has No Preset Spending Limit
no
Airport Lounge Access
no
Annual Statement Credits
no
Does Not Report Credit Line to Personal Credit Profile
no
Earns Transferable Points
no
No Fees for Authorized Users
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Annual Fee
$395
Avg. Min. Credit Score
800-850 *
APR on purchases
-
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
10x Car Rentals

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x Hotels

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5x Airfare

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) 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 Capital One Venture X Business card is a very well rounded travel credit card that is easy to recommend to almost anyone, especially with No Preset Spending Limit – meaning that heavy business spenders will have an easier time.

The first objection is always the annual fee, but once you see that the $300 annual travel credit and 10,000 miles anniversary bonus (worth $100 or more) nets out the annual fee, it’s much easier to go and focus on the benefits.

If you consider the annual fee to effectively be -$5 as I do based on the above though process, then you are looking a a TON of benefits for a card where you aren’t out a ton on the annual fee with nothing in return.

You’re getting No Preset Spending Limit, Plaza Premium and Priority Pass lounge access, Capital One Lounges, Global Entry (or PreCheck) fee reimbursement, the ability to earn up to 10X miles on travel booked via Capital One, and cell phone protection.

travel-card-capital-one-venture-x-credit-card

See, that’s a mouthful! You would expect to be paying a massive annual fee for all of that (without credits that net it out) and in this case, you’re just not. Of course, you’ll still have to pay the $395 fee upfront, but you’ll also be able to get that early spend bonus. That offsets it nicely!

In our opinion, this card is simply one of the best travel business cards around in terms of both benefits and value for money.

And as icing on the cake, aside from the initial hard pull on your personal credit to qualify you for approval, it won’t report to your personal credit file as long as your account remains in good standing.

Read more
Unique Card Benefits
yes
No Foreign Transaction Fees
yes
Extended Warranty
yes
Secondary Car Rental CDW Waiver
yes
0% Intro APR on Purchases
no
Purchase Protection
no
Trip Protections
no
Concierge Services
no
Free Access to Credit Score
no
Has No Preset Spending Limit
yes
Airport Lounge Access
yes
Annual Statement Credits
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Earns Transferable Points
yes
No Fees for Authorized Users
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes

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