Which card earns more rewards, the Prime Visa or United Gateway Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Prime Visa have that the United Gateway Card doesn't?

The Prime Visa focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Prime Visa or the United Gateway Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Prime Visa or United Gateway Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Prime Visa have that the United Gateway Card doesn't?

The Prime Visa focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Prime Visa or the United Gateway Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Prime Visa or United Gateway Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Prime Visa have that the United Gateway Card doesn't?

The Prime Visa focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Prime Visa or the United Gateway Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Prime Visa vs United Gateway Card

Both cards cost $0/yr. The Prime Visa is better for amazon, while the United Gateway Card wins on united purchases. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

150 Retail

30,000 Airline

Earn Rates

Category	Prime Visa	United Gateway Card
All Travel Ultimate Rewards	5X	1X
Amazon	5X	1X
Whole Foods	5X	1X
Dining	2X	1X
Gas Stations	2X	2X
Ridesharing	2X	2X

Benefits & Features

Network

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

Pros & Cons

Pros

+5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with Prime membership
+5% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit - solid everyday categories
+$150 Amazon Gift Card welcome bonus with no minimum spend required
+No annual fee on the card itself (Prime membership separate)

+No annual fee ever
+No foreign transaction fees
+2x miles on United purchases, gas stations, and local transit/rideshare
+25% back on United inflight purchases and Club premium drinks
+0% intro APR for 12 months on purchases

Cons

−Requires $139/year Amazon Prime membership to earn 5% (only 3% without Prime)
Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels

Category-by-Category Winner

The Prime Visa wins in 4 of 7 categories. The United Gateway Card leads in 3.

Amazon

Prime Visa earns 5X vs 1X

Whole Foods

Prime Visa earns 5X vs 1X

All Travel Ultimate Rewards

Prime Visa earns 5X vs 1X

Dining

Prime Visa earns 2X vs 1X

United Purchases

United Gateway Card earns 2X vs 1X

Tolls

United Gateway Card earns 2X vs 1X

United Airlines

United Gateway Card earns 2X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Prime Visa means losing:

-Annual travel credit
-Travel insurance

Which Card Is Right for You?

Frequently Asked Questions

Which card earns more rewards, the Prime Visa or United Gateway Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Prime Visa have that the United Gateway Card doesn't?: The Prime Visa focuses on earn rates, while the United Gateway Card offers travel credits.
Should I get the Prime Visa or the United Gateway Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Prime Visa — Full Review All Chase Cards

United Gateway Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Prime Visa vs United Gateway Card

Both cards cost $0/yr. The Prime Visa is better for amazon, while the United Gateway Card wins on united purchases. Here's how they compare.

Prime Visa

Chase

United Gateway Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

150 Retail

30,000 Airline

Earn Rates

Category	Prime Visa	United Gateway Card
All Travel Ultimate Rewards	5X	1X
Amazon	5X	1X
Whole Foods	5X	1X
Dining	2X	1X
Gas Stations	2X	2X
Ridesharing	2X	2X

Benefits & Features

Network

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

Pros & Cons

Pros

+5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with Prime membership
+5% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit - solid everyday categories
+$150 Amazon Gift Card welcome bonus with no minimum spend required
+No annual fee on the card itself (Prime membership separate)

+No annual fee ever
+No foreign transaction fees
+2x miles on United purchases, gas stations, and local transit/rideshare
+25% back on United inflight purchases and Club premium drinks
+0% intro APR for 12 months on purchases

Cons

−Requires $139/year Amazon Prime membership to earn 5% (only 3% without Prime)
Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels

Category-by-Category Winner

The Prime Visa wins in 4 of 7 categories. The United Gateway Card leads in 3.

Amazon

Prime Visa earns 5X vs 1X

Whole Foods

Prime Visa earns 5X vs 1X

All Travel Ultimate Rewards

Prime Visa earns 5X vs 1X

Dining

Prime Visa earns 2X vs 1X

United Purchases

United Gateway Card earns 2X vs 1X

Tolls

United Gateway Card earns 2X vs 1X

United Airlines

United Gateway Card earns 2X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Prime Visa means losing:

-Annual travel credit
-Travel insurance

Which Card Is Right for You?

Frequently Asked Questions

Which card earns more rewards, the Prime Visa or United Gateway Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Prime Visa have that the United Gateway Card doesn't?: The Prime Visa focuses on earn rates, while the United Gateway Card offers travel credits.
Should I get the Prime Visa or the United Gateway Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Prime Visa — Full Review All Chase Cards

United Gateway Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Prime Visa vs United Gateway Card

Both cards cost $0/yr. The Prime Visa is better for amazon, while the United Gateway Card wins on united purchases. Here's how they compare.

Prime Visa

Chase

United Gateway Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

150 Retail

30,000 Airline

Earn Rates

Category	Prime Visa	United Gateway Card
All Travel Ultimate Rewards	5X	1X
Amazon	5X	1X
Whole Foods	5X	1X
Dining	2X	1X
Gas Stations	2X	2X
Ridesharing	2X	2X

Benefits & Features

Network

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

Pros & Cons

Pros

+5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with Prime membership
+5% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit - solid everyday categories
+$150 Amazon Gift Card welcome bonus with no minimum spend required
+No annual fee on the card itself (Prime membership separate)

+No annual fee ever
+No foreign transaction fees
+2x miles on United purchases, gas stations, and local transit/rideshare
+25% back on United inflight purchases and Club premium drinks
+0% intro APR for 12 months on purchases

Cons

−Requires $139/year Amazon Prime membership to earn 5% (only 3% without Prime)
Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels

Category-by-Category Winner

The Prime Visa wins in 4 of 7 categories. The United Gateway Card leads in 3.

Amazon

Prime Visa earns 5X vs 1X

Whole Foods

Prime Visa earns 5X vs 1X

All Travel Ultimate Rewards

Prime Visa earns 5X vs 1X

Dining

Prime Visa earns 2X vs 1X

United Purchases

United Gateway Card earns 2X vs 1X

Tolls

United Gateway Card earns 2X vs 1X

United Airlines

United Gateway Card earns 2X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Prime Visa means losing:

-Annual travel credit
-Travel insurance

Which Card Is Right for You?

Frequently Asked Questions

Which card earns more rewards, the Prime Visa or United Gateway Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Prime Visa have that the United Gateway Card doesn't?: The Prime Visa focuses on earn rates, while the United Gateway Card offers travel credits.
Should I get the Prime Visa or the United Gateway Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Prime Visa — Full Review All Chase Cards

United Gateway Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards