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 Mastercard Gold Card
Both are travel travel cards. The United Gateway Card comes from Chase at $0/yr; the Mastercard Gold Card from Barclays (Luxury Card) at $1199/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 | United Gateway Card | Mastercard Gold Card |
|---|---|---|
| Annual fee | $0 | $1199 |
| Sign-up bonus | 30,000 miles | No public welcome offer |
| Bonus value (est.) | $390 | $0 |
| Min spend to unlock bonus | $1,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | Barclays (Luxury Card) |
| Card category | travel | travel |
| Best earning category (United) | 2x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
United Gateway Card
$0/yr · 30,000 miles
Read the full review
Mastercard Gold Card
$1199/yr · No public welcome offer
Editorial take: Mastercard Gold Card
The top tier of Barclays' Luxury Card lineup at $1,199. The $300 airline + $200 dining + $120 Global Entry credits chip away at the AF (about $620 of stated value before lounge access), and the 2cpp redemption on cash back is unusual. Still a status play more than a smart-points play; Amex Platinum or Sapphire Reserve win on credits-to-fee math for most travelers. Authorized-user fee is steep at $349 each.
Common questions
- Which card has the bigger sign-up bonus, United Gateway Card or Mastercard Gold Card?
- The United Gateway Card has the bigger bonus, 30,000 miles, worth roughly $390, versus No public welcome offer (~$0) on the Mastercard Gold Card.
- Is the United Gateway Card's $0 annual fee worth it compared to the Mastercard Gold Card?
- The United Gateway Card has no annual fee, so the question is whether the Mastercard Gold Card's $1199 fee is justified by its perks. If you'll use enough of the Mastercard Gold Card's benefits to clear $1199 in value annually, it's worth it; otherwise stick with the United Gateway Card.
- Can I have both the United Gateway Card and Mastercard Gold Card?
- Yes, since they're from different issuers (Chase and Barclays (Luxury Card)) 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 Mastercard Gold Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Gateway Card: $1,000 spend in 3 months. Mastercard Gold Card: $0 in 0 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.