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Chase Disney Inspire Visa Card vs United Gateway Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. United Gateway Card 1.2% 1x base rate
  2. Disney Inspire Visa Card 1.0% 1x base rate

Dining

  1. Disney Inspire Visa Card 2.0% 2x
  2. United Gateway Card 1.2% 1x base rate

Groceries

  1. Disney Inspire Visa Card 2.0% 2x
  2. United Gateway Card 1.2% 1x base rate

Gas

  1. Disney Inspire Visa Card 3.0% 3x
  2. United Gateway Card 2.4% 2x

Public transit

  1. United Gateway Card 2.4% 2x
  2. Disney Inspire Visa Card 1.0% 1x base rate

Rideshare & taxis

  1. United Gateway Card 2.4% 2x
  2. Disney Inspire Visa Card 1.0% 1x base rate

Tolls

  1. United Gateway Card 2.4% 2x
  2. Disney Inspire Visa Card 1.0% 1x base rate

What the numbers are doing

United Gateway Card tops everything else at 1.2% only because this table values its points at 1.2 cents each. Value them at one cent and Disney Inspire Visa Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Disney Inspire Visa Card $149 and United Gateway Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Gateway Card takes everything else, public transit, rideshare & taxis and tolls; Disney Inspire Visa Card takes dining, groceries and gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Gateway Card1.2%
DiningDisney Inspire Visa Card2.0%
GroceriesDisney Inspire Visa Card2.0%
GasDisney Inspire Visa Card3.0%
Public transitUnited Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway Card2.4%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. United Gateway Card — 1.2%
  2. Disney Inspire Visa Card — 1.0%

Dining

  1. Disney Inspire Visa Card — 2.0%
  2. United Gateway Card — 1.2%

Groceries

  1. Disney Inspire Visa Card — 2.0%
  2. United Gateway Card — 1.2%

Gas

  1. Disney Inspire Visa Card — 3.0%
  2. United Gateway Card — 2.4%

Public transit

  1. United Gateway Card — 2.4%
  2. Disney Inspire Visa Card — 1.0%

Rideshare & taxis

  1. United Gateway Card — 2.4%
  2. Disney Inspire Visa Card — 1.0%

Tolls

  1. United Gateway Card — 2.4%
  2. Disney Inspire Visa Card — 1.0%
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