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Chase Prime Visa 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. Prime Visa 1.0% 1% base rate

Dining

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

Gas

  1. United Gateway Card 2.4% 2x
  2. Prime Visa 2.0% 2%

Travel · portal

  1. Prime Visa · Chase Travel 5.0% 5%

Amazon

  1. Prime Visa 5.0% 5%
  2. United Gateway Card 1.2% 1x base rate

Whole Foods Market

  1. Prime Visa 5.0% 5%
  2. United Gateway Card 1.2% 1x base rate

Public transit

  1. United Gateway Card 2.4% 2x
  2. Prime Visa 2.0% 2%

Rideshare & taxis

  1. United Gateway Card 2.4% 2x
  2. Prime Visa 2.0% 2%

Tolls

  1. United Gateway Card 2.4% 2x
  2. Prime Visa 1.0% 1% 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 Prime Visa wins that category instead.

Where they differ: United Gateway Card takes everything else, gas, public transit and rideshare & taxis, plus 1 more; Prime Visa takes dining, amazon and whole foods market.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Gateway Card1.2%
DiningPrime Visa2.0%
GasUnited Gateway Card2.4%
Travel · portalPrime Visa · Chase Travel5.0%
AmazonPrime Visa5.0%
Whole Foods MarketPrime Visa5.0%
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. Prime Visa — 1.0%

Dining

  1. Prime Visa — 2.0%
  2. United Gateway Card — 1.2%

Gas

  1. United Gateway Card — 2.4%
  2. Prime Visa — 2.0%

Travel · portal

  1. Prime Visa · Chase Travel — 5.0%

Amazon

  1. Prime Visa — 5.0%
  2. United Gateway Card — 1.2%

Whole Foods Market

  1. Prime Visa — 5.0%
  2. United Gateway Card — 1.2%

Public transit

  1. United Gateway Card — 2.4%
  2. Prime Visa — 2.0%

Rideshare & taxis

  1. United Gateway Card — 2.4%
  2. Prime Visa — 2.0%

Tolls

  1. United Gateway Card — 2.4%
  2. Prime Visa — 1.0%
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