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Capital One Venture Rewards Credit Card vs United Gateway℠ Card
This comparison aims to assist you in determining which credit card, the Capital One Venture Rewards Credit Card or the United Gateway℠ Card, aligns better with your spending habits and financial goals.
Card Overviews
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is designed for travelers who want to earn rewards for their everyday spending. With a reasonable annual fee, it offers a robust rewards structure that benefits those who frequently book travel through Capital One and enjoy flexible redemption options.
United Gateway℠ Card
The United Gateway℠ Card is ideal for casual travelers and United Airlines customers looking for a no-annual-fee option. It provides a straightforward rewards program with bonus miles on United purchases and select categories, making it a practical choice for those who fly United often.
Detailed Feature Comparison
| Feature | Capital One Venture Rewards Credit Card | United Gateway℠ Card |
|---|---|---|
| Annual Fee | $95 | $0 |
| Welcome Bonus | 75,000 bonus miles after spending $4,000 in first 3 months | 20,000 bonus miles after spending $1,000 in first 3 months |
| Rewards Structure | 2X miles on every purchase, 5X on Capital One Travel bookings | 2X miles on United purchases, gas stations, and local transit; 1X on all others |
| Foreign Transaction Fee | None | None |
| Other Fees | Late Payment Fee may apply | Late Payment Fee may apply |
| Additional Benefits | $250 travel credit, Global Entry/TSA PreCheck credit, flexible redemption | 25% back on food and Wi-Fi on United flights, no annual fee perks |
Rewards Highlights
Capital One Venture Rewards Credit Card
- 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2 Miles per dollar on every purchase, every day
United Gateway℠ Card
- Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
- 2x miles on United® purchases, at gas stations, and on local transit and commuting.
- 1x mile on all other purchases.
Pros and Cons
Capital One Venture Rewards Credit Card
- Pros:
- Generous welcome bonus and travel credit
- Flexible redemption options
- Unlimited 2X miles on all purchases
- No expiration on miles
- Global Entry/TSA PreCheck credit
- Cons:
- Annual fee of $95
- Higher spending requirement for bonus miles
United Gateway℠ Card
- Pros:
- No annual fee
- Good rewards on United purchases
- Earn bonus miles easily with everyday purchases
- 25% back on inflight purchases
- Cons:
- Limited rewards categories compared to competitors
- Lower overall earning potential for non-United purchases
Who Should Consider Which Card?
The Capital One Venture Rewards Credit Card is best suited for frequent travelers who want to maximize their rewards on travel-related purchases and appreciate the flexibility of redeeming miles for various travel expenses. In contrast, the United Gateway℠ Card is ideal for occasional travelers and United Airlines customers looking to earn rewards without the burden of an annual fee, as well as those who frequently purchase food and beverages on United flights.
Conclusion
Ultimately, choosing between the Capital One Venture Rewards Credit Card and the United Gateway℠ Card will depend on your individual needs, travel habits, and spending patterns. Consider what features matter most to you to make an informed decision.