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United Gateway Card vs Amex Gold

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: United Gateway Card leads by 13.2 pts. Scores: United Gateway Card 74.6%, Amex Gold 61.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): United Gateway Card nets $127/yr, Amex Gold nets $229/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeCard: 10.0 · Gold: 5.0
Rewards rateCard: 4.5 · Gold: 6.0
Sign-up bonusCard: n/a · Gold: n/a
Intro 0% APRCard: 5.7 · Gold: 0.0
Regular APRCard: 7.0 · Gold: 7.0
Foreign transaction feeCard: 10.0 · Gold: 10.0
Regulatory record (CFPB)Card: 10.0 · Gold: 10.0

United Gateway Card

IssuerChase
Typetravel
Annual fee$0 creditcards.chase.com, 2026-10-12
Regular purchase APR19.99%–28.49% variable creditcards.chase.com, 2026-10-12
Rewards1% base; 2% gas; 2% transit creditcards.chase.com, 2026-10-12
Sign-up bonus (≈$)not found creditcards.chase.com, 2026-10-12
Intro APR12 months 0% intro APR for 12 months on purchases creditcards.chase.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period21 days files.consumerfinance.gov, 2025-12-31
Cash advance APR28.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.74%–28.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Amex Gold

IssuerAmerican Express
Typetravel
Annual fee$325 americanexpress.com, 2026-10-11
Regular purchase APR19.74%–28.74% variable americanexpress.com, 2026-10-11
Rewards4x restaurants (up to $50k) & U.S. supermarkets (up to $25k); 5x prepaid hotels via AmexTravel; 3x flights americanexpress.com, 2026-10-11
Sign-up bonus (≈$)not found americanexpress.com, 2026-10-11
Intro APRnone Charge card with Pay Over Time; no intro APR offer americanexpress.com, 2026-10-11
Foreign transaction feenone Foreign Transaction: None americanexpress.com, 2026-10-11
Penalty APRPrime + 26.74% Variable: Prime Rate + 26.74% per Amex agreement rate table consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.49%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

United Gateway Card74.6%
Chase · travel
Annual fee $0APR 19.99%–28.49% variableRewards 1% base; 2% gas; 2% transitCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 28.49% if you carry a balance · Penalty APR up to 29.99% · Late fee up to $40
Amex Gold61.4%
American Express · travel
Annual fee $325APR 19.74%–28.74% variableRewards 4x restaurants (up to $50k) & U.S. supermarkets (up to $25k); 5x prepaid hotels via AmexTravel; 3x flightsCredit 720+ (CFPB TCCP targeted tiers)
⚠ $325 annual fee · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, United Gateway Card or Amex Gold?

On VaultRubric's rubric: United Gateway Card scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.