Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
The United Gateway Card ($0/yr) is better for everyday value, while the IHG One Rewards Premier Credit Card ($99/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | IHG One Rewards Premier Credit Card | United Gateway Card |
|---|---|---|
| Ihg Hotels | 10X | 1X |
The IHG One Rewards Premier Credit Card wins in 10 of 10 categories. The United Gateway Card leads in 0.
Ihg Hotels
IHG One Rewards Premier Credit Card earns 10X vs 1X
Gas Stations
IHG One Rewards Premier Credit Card earns 5X vs 2X
Travel
IHG One Rewards Premier Credit Card earns 5X vs 1X
Dining
IHG One Rewards Premier Credit Card earns 5X vs 1X
United Purchases
IHG One Rewards Premier Credit Card earns 3X vs 2X
Ridesharing
IHG One Rewards Premier Credit Card earns 3X vs 2X
Tolls
IHG One Rewards Premier Credit Card earns 3X vs 2X
Transit
IHG One Rewards Premier Credit Card earns 3X vs 2X
United Airlines
IHG One Rewards Premier Credit Card earns 3X vs 2X
The United Gateway Card has a lower annual fee ($0 vs $99), making it the more accessible option.
Choose the United Gateway Card if you want solid rewards with a lower cost of entry. Choose the IHG One Rewards Premier Credit Card if you travel frequently and can maximize its premium benefits.
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.
The United Gateway Card ($0/yr) is better for everyday value, while the IHG One Rewards Premier Credit Card ($99/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | IHG One Rewards Premier Credit Card | United Gateway Card |
|---|---|---|
| Ihg Hotels | 10X | 1X |
The IHG One Rewards Premier Credit Card wins in 10 of 10 categories. The United Gateway Card leads in 0.
Ihg Hotels
IHG One Rewards Premier Credit Card earns 10X vs 1X
Gas Stations
IHG One Rewards Premier Credit Card earns 5X vs 2X
Travel
IHG One Rewards Premier Credit Card earns 5X vs 1X
Dining
IHG One Rewards Premier Credit Card earns 5X vs 1X
United Purchases
IHG One Rewards Premier Credit Card earns 3X vs 2X
Ridesharing
IHG One Rewards Premier Credit Card earns 3X vs 2X
Tolls
IHG One Rewards Premier Credit Card earns 3X vs 2X
Transit
IHG One Rewards Premier Credit Card earns 3X vs 2X
United Airlines
IHG One Rewards Premier Credit Card earns 3X vs 2X
The United Gateway Card has a lower annual fee ($0 vs $99), making it the more accessible option.
Choose the United Gateway Card if you want solid rewards with a lower cost of entry. Choose the IHG One Rewards Premier Credit Card if you travel frequently and can maximize its premium benefits.
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.
The United Gateway Card ($0/yr) is better for everyday value, while the IHG One Rewards Premier Credit Card ($99/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | IHG One Rewards Premier Credit Card | United Gateway Card |
|---|---|---|
| Ihg Hotels | 10X | 1X |
The IHG One Rewards Premier Credit Card wins in 10 of 10 categories. The United Gateway Card leads in 0.
Ihg Hotels
IHG One Rewards Premier Credit Card earns 10X vs 1X
Gas Stations
IHG One Rewards Premier Credit Card earns 5X vs 2X
Travel
IHG One Rewards Premier Credit Card earns 5X vs 1X
Dining
IHG One Rewards Premier Credit Card earns 5X vs 1X
United Purchases
IHG One Rewards Premier Credit Card earns 3X vs 2X
Ridesharing
IHG One Rewards Premier Credit Card earns 3X vs 2X
Tolls
IHG One Rewards Premier Credit Card earns 3X vs 2X
Transit
IHG One Rewards Premier Credit Card earns 3X vs 2X
United Airlines
IHG One Rewards Premier Credit Card earns 3X vs 2X
The United Gateway Card has a lower annual fee ($0 vs $99), making it the more accessible option.
Choose the United Gateway Card if you want solid rewards with a lower cost of entry. Choose the IHG One Rewards Premier Credit Card if you travel frequently and can maximize its premium benefits.
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.
| Dining | 5X | 1X |
| Gas Stations | 5X | 2X |
| Travel | 5X | 1X |
| Ridesharing | 3X | 2X |
| Tolls | 3X | 2X |
| Transit | 3X | 2X |
| United Airlines | 3X | 2X |
| United Purchases | 3X | 2X |
| Everything Else | 3X | 1X |
Network
Key Benefits
Pros
Cons
Everyday purchases
IHG One Rewards Premier Credit Card earns 3X on all other spending vs 1X
The IHG One Rewards Premier Credit Card costs $99/yr — that's $99 more than the United Gateway Card (no annual fee). To justify that gap, you need to extract at least $99 in annual value from the card's higher earn rates and benefits.
The IHG One Rewards Premier Credit Card offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $99 difference is small enough that the IHG One Rewards Premier Credit Card's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing United Gateway Card means losing:
Choosing IHG One Rewards Premier Credit Card means losing:
Get the IHG One Rewards Premier Credit Card if you:
Get the United Gateway Card if you:
| Dining | 5X | 1X |
| Gas Stations | 5X | 2X |
| Travel | 5X | 1X |
| Ridesharing | 3X | 2X |
| Tolls | 3X | 2X |
| Transit | 3X | 2X |
| United Airlines | 3X | 2X |
| United Purchases | 3X | 2X |
| Everything Else | 3X | 1X |
Network
Key Benefits
Pros
Cons
Everyday purchases
IHG One Rewards Premier Credit Card earns 3X on all other spending vs 1X
The IHG One Rewards Premier Credit Card costs $99/yr — that's $99 more than the United Gateway Card (no annual fee). To justify that gap, you need to extract at least $99 in annual value from the card's higher earn rates and benefits.
The IHG One Rewards Premier Credit Card offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $99 difference is small enough that the IHG One Rewards Premier Credit Card's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing United Gateway Card means losing:
Choosing IHG One Rewards Premier Credit Card means losing:
Get the IHG One Rewards Premier Credit Card if you:
Get the United Gateway Card if you:
| Dining | 5X | 1X |
| Gas Stations | 5X | 2X |
| Travel | 5X | 1X |
| Ridesharing | 3X | 2X |
| Tolls | 3X | 2X |
| Transit | 3X | 2X |
| United Airlines | 3X | 2X |
| United Purchases | 3X | 2X |
| Everything Else | 3X | 1X |
Network
Key Benefits
Pros
Cons
Everyday purchases
IHG One Rewards Premier Credit Card earns 3X on all other spending vs 1X
The IHG One Rewards Premier Credit Card costs $99/yr — that's $99 more than the United Gateway Card (no annual fee). To justify that gap, you need to extract at least $99 in annual value from the card's higher earn rates and benefits.
The IHG One Rewards Premier Credit Card offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $99 difference is small enough that the IHG One Rewards Premier Credit Card's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing United Gateway Card means losing:
Choosing IHG One Rewards Premier Credit Card means losing:
Get the IHG One Rewards Premier Credit Card if you:
Get the United Gateway Card if you: