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: Capital One Venture leads by 3.3 pts. Scores: United Gateway Card 74.6%, Capital One Venture 77.9%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): United Gateway Card nets $127/yr, Capital One Venture nets $366/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeCard: 10.0 · Venture: 8.0
Rewards rateCard: 4.5 · Venture: 9.5
Sign-up bonusCard: n/a · Venture: 10
Intro 0% APRCard: 5.7 · Venture: 0.0
Regular APRCard: 7.0 · Venture: 7.0
Foreign transaction feeCard: 10.0 · Venture: 10.0
Regulatory record (CFPB)Card: 10.0 · Venture: 10.0
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
Annual fee $95APR 19.74%–28.74% variableRewards 2x miles on every purchase; 5x Capital One Travel hotels, vacation rentals, rental carsCredit Excellent
⚠ $95 annual fee · APR up to 28.74% if you carry a balance · Late fee up to $40
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 Capital One Venture?
On VaultRubric's rubric: Capital One Venture 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.