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.
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Side-by-side
United Gateway Card vs CitiBusiness / AAdvantage Platinum Select Mastercard
Both are travel travel cards. The United Gateway Card comes from Chase at $0/yr; the CitiBusiness / AAdvantage Platinum Select Mastercard from Citi at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the CitiBusiness / AAdvantage Platinum Select Mastercard is the stronger pick today, the sign-up bonus is meaningfully larger ($683 more in estimated value) than the United Gateway Card's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the United Gateway Card after you've earned that bonus.
| Feature | United Gateway Card | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | 30,000 miles | 65,000 miles |
| Bonus value (est.) | $390 | $1,073 |
| Min spend to unlock bonus | $1,000 in 3 mo | $4,000 in 4 mo |
| Issuer | Chase | Citi |
| Card category | travel | travel |
| Best earning category (United) | 2x | 1x |
| Transfer partners | None | aadvantage |
| Headline benefits |
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Read the full review
United Gateway Card
$0/yr · 30,000 miles
Read the full review
CitiBusiness / AAdvantage Platinum Select Mastercard
$99/yr · 65,000 miles
Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard
Common questions
- Which card has the bigger sign-up bonus, United Gateway Card or CitiBusiness / AAdvantage Platinum Select Mastercard?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus 30,000 miles (~$390) on the United Gateway Card.
- Is the United Gateway Card's $0 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
- The United Gateway Card has no annual fee, so the question is whether the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 fee is justified by its perks. If you'll use enough of the CitiBusiness / AAdvantage Platinum Select Mastercard's benefits to clear $99 in value annually, it's worth it; otherwise stick with the United Gateway Card.
- Can I have both the United Gateway Card and CitiBusiness / AAdvantage Platinum Select Mastercard?
- Yes, since they're from different issuers (Chase and Citi) 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 United Gateway Card or the CitiBusiness / AAdvantage Platinum Select Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Gateway Card: $1,000 spend in 3 months. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 in 4 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.