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 Choice Privileges Mastercard
Both are travel travel cards. The United Gateway Card comes from Chase at $0/yr; the Choice Privileges Mastercard from Wells Fargo 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 | United Gateway Card | Choice Privileges Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 30,000 miles | Not advertised |
| Bonus value (est.) | $390 | - |
| Min spend to unlock bonus | $1,000 in 3 mo | - |
| Issuer | Chase | Wells Fargo |
| Card category | travel | travel |
| Best earning category (United) | 2x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
United Gateway Card
$0/yr · 30,000 miles
Read the full review
Choice Privileges Mastercard
$0/yr ·
Editorial take: Choice Privileges Mastercard
Common questions
- Which card has the bigger sign-up bonus, United Gateway Card or Choice Privileges Mastercard?
- The United Gateway Card has a public bonus (30,000 miles, worth roughly $390), while the Choice Privileges Mastercard doesn't advertise one right now.
- Is the United Gateway Card's $0 annual fee worth it compared to the Choice Privileges Mastercard?
- The United Gateway Card has no annual fee, so the question is whether the Choice Privileges Mastercard's $0 fee is justified by its perks. If you'll use enough of the Choice Privileges Mastercard's benefits to clear $0 in value annually, it's worth it; otherwise stick with the United Gateway Card.
- Can I have both the United Gateway Card and Choice Privileges Mastercard?
- Yes, since they're from different issuers (Chase and Wells Fargo) 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 Choice Privileges Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Gateway Card: $1,000 spend in 3 months. Choice Privileges Mastercard: no published min spend. 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.