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Chase Iberia Visa Signature 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. Iberia Visa Signature 1.4% 1x base rate
  2. United Gateway Card 1.2% 1x base rate

Gas

  1. United Gateway Card 2.4% 2x
  2. Iberia Visa Signature 1.4% 1x base rate

Hotels

  1. Iberia Visa Signature 2.8% 2x
  2. United Gateway Card 1.2% 1x base rate

Public transit

  1. United Gateway Card 2.4% 2x
  2. Iberia Visa Signature 1.4% 1x base rate

Rideshare & taxis

  1. United Gateway Card 2.4% 2x
  2. Iberia Visa Signature 1.4% 1x base rate

Tolls

  1. United Gateway Card 2.4% 2x
  2. Iberia Visa Signature 1.4% 1x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Iberia Visa Signature $95 and United Gateway Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Iberia Visa Signature takes everything else and hotels; United Gateway Card takes gas, public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIberia Visa Signature1.4%
GasUnited Gateway Card2.4%
HotelsIberia Visa Signature2.8%
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. Iberia Visa Signature — 1.4%
  2. United Gateway Card — 1.2%

Gas

  1. United Gateway Card — 2.4%
  2. Iberia Visa Signature — 1.4%

Hotels

  1. Iberia Visa Signature — 2.8%
  2. United Gateway Card — 1.2%

Public transit

  1. United Gateway Card — 2.4%
  2. Iberia Visa Signature — 1.4%

Rideshare & taxis

  1. United Gateway Card — 2.4%
  2. Iberia Visa Signature — 1.4%

Tolls

  1. United Gateway Card — 2.4%
  2. Iberia Visa Signature — 1.4%
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