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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
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US Bank Business Cash Rewards World Elite Mastercard
Card Details
VS
United Gateway℠ Card
Card Details
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
US Bank Business Cash Rewards World Elite Mastercard
Annual Fee
$0
Avg. Min. Credit Score
*
APR on purchases
-
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
3x Gas Stations
3x Cellular Phone Service
3x Office Supplies
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Get $500 when you spend $3,000 in your first 90 days
Rating
(0) 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
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.
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
United Gateway℠ Card
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 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
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.
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
Learn more about these cards today
US Bank Business Cash Rewards World Elite Mastercard
Card Details
United Gateway℠ Card
Card Details
Chase Ink Business Preferred® Credit Card
(4.63) 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.
Capital One Venture Rewards Credit Card
(4.25) 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.
Bank of America® Travel Rewards credit card
(3.38) 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.
Bank of America® Unlimited Cash Rewards Credit Card
(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.
Bank of America® Premium Rewards® credit card
(3.80) 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.
Alaska Airlines Visa Signature® credit card
(4.13) 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.
Chase Sapphire Reserve®
(4.45) 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.
Chase Sapphire Preferred® Card
(4.05) 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.
Personal Credit Card Earning 2% Cash Back
(0.00) 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.
Personal Credit Card Earning Valuable TY Points
(0.00) 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.
