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Chase Disney Premier 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 Premier Visa Card 1.0% 1x base rate

Dining

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

Groceries

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

Gas

  1. United Gateway Card 2.4% 2x
  2. Disney Premier Visa Card 2.0% 2x

Public transit

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

Rideshare & taxis

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

Tolls

  1. United Gateway Card 2.4% 2x
  2. Disney Premier 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 Premier Visa Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Disney Premier Visa Card $49 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, gas, public transit and rideshare & taxis, plus 1 more; Disney Premier Visa Card takes dining and groceries.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Gateway Card1.2%
DiningDisney Premier Visa Card2.0%
GroceriesDisney Premier Visa Card2.0%
GasUnited Gateway Card2.4%
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 Premier Visa Card — 1.0%

Dining

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

Groceries

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

Gas

  1. United Gateway Card — 2.4%
  2. Disney Premier Visa Card — 2.0%

Public transit

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

Rideshare & taxis

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

Tolls

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