Wells Fargo Active Cash vs United Gateway℠ Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

APR on purchases

APR on balance transfers

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

Wells Fargo Active Cash

Annual Fee

Avg. Min. Credit Score

670-850

APR on purchases

0% Intro APR (on purchases for 12 months, 19.74%-24.74% thereafter)

APR on balance transfers

0% Intro APR (on balance transfers for 12 months, 19.74%-24.74% thereafter)

Ongoing APR

19.74%-24.74% (Variable)

Balance transfers fees

3% for 120 days from account opening, then up to 5%, min: $5

Best Multiplier

2x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Get $200 when you spend $1,000 within 3 months.

Rating

(0) Our Review

Review

This card is no longer available at Your Best Credit Cards. Please see our Card Explorer to find the card that is right for you.

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

United Gateway℠ Card

Annual Fee

Avg. Min. Credit Score

670-850

APR on purchases

0% Intro APR (on purchases for 12 months, 21.99%-28.99% thereafter)

APR on balance transfers

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

2x Transit

2x Gas Stations

1x Everything Else

Avg. Point Value
(Learn More)

$0.012

Bonus Offer

Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases.

Rating

(3.75) Our Review

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.

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

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