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BECU Secured Cash Back Credit Card vs United Gateway Card
Both are well-respected travel cards. The BECU Secured Cash Back Credit Card comes from BECU at $0/yr; the United Gateway Card from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Secured Cash Back Credit Card | United Gateway Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus | 30,000 miles |
| Bonus value (est.) | $0 | $390 |
| Min spend to unlock bonus | $0 in 0 mo | $1,000 in 3 mo |
| Issuer | BECU | Chase |
| Card category | cashback | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BECU Secured Cash Back Credit Card
$0/yr · No welcome bonus
Read the full review
United Gateway Card
$0/yr · 30,000 miles
Editorial take: United Gateway Card
The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.
Common questions
- Which card has the bigger sign-up bonus, BECU Secured Cash Back Credit Card or United Gateway Card?
- The United Gateway Card has the bigger bonus, 30,000 miles, worth roughly $390, versus No welcome bonus (~$0) on the BECU Secured Cash Back Credit Card.
- Is the BECU Secured Cash Back Credit Card's $0 annual fee worth it compared to the United Gateway Card?
- The BECU Secured Cash Back Credit Card has no annual fee, so the question is whether the United Gateway Card's $0 fee is justified by its perks. If you'll use enough of the United Gateway Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Secured Cash Back Credit Card.
- Can I have both the BECU Secured Cash Back Credit Card and United Gateway Card?
- Yes, since they're from different issuers (BECU and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Secured Cash Back Credit Card or the United Gateway Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Secured Cash Back Credit Card: $0 spend in 0 months. United Gateway Card: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.