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Side-by-side
Capital One Venture X Business vs United Gateway Card
Both are travel travel cards. The Capital One Venture X Business comes from Capital One at $395/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
If you're not sure you'll use premium perks, start with the United Gateway Card, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | Capital One Venture X Business | United Gateway Card |
|---|---|---|
| Annual fee | $395 | $0 |
| Sign-up bonus | 150,000 bonus miles | 30,000 miles |
| Bonus value (est.) | - | $390 |
| Min spend to unlock bonus | $30,000 in 3 mo | $1,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | travel | travel |
| Best earning category (Other) | 2x | 1x |
| Transfer partners | capital-one | None |
| Headline benefits |
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Read the full review
Capital One Venture X Business
$395/yr · 150,000 bonus miles
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, Capital One Venture X Business or United Gateway Card?
- The United Gateway Card has a public bonus (30,000 miles, worth roughly $390), while the Capital One Venture X Business doesn't advertise one right now.
- Is the Capital One Venture X Business's $395 annual fee worth it compared to the United Gateway Card?
- At $395/yr, the Capital One Venture X Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Gateway Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Venture X Business and United Gateway Card?
- Yes, since they're from different issuers (Capital One 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 Capital One Venture X Business or the United Gateway Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture X Business: $30,000 spend in 3 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.