Which card earns more rewards, the Chase Freedom Rise® Credit Card or United Gateway Card?

The Chase Freedom Rise® Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Chase Freedom Rise® Credit Card have that the United Gateway Card doesn't?

The Chase Freedom Rise® Credit Card offers dining credits. The United Gateway Card offers travel credits.

Should I get the Chase Freedom Rise® Credit Card or the United Gateway Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Chase Freedom Rise® Credit Card vs United Gateway Card

Both cards cost $0/yr. The Chase Freedom Rise® Credit Card leads on everyday spending; the United Gateway Card on gas stations.

Card data as of November 13, 2026.

Credit card comparison
Overview
	Chase Freedom Rise® Credit Card Chase · No annual fee	United Gateway Card Chase · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$25 statement credit	Up to 50,000 miles
Rewards	Cash back	United MileagePlus
Foreign transaction fee	3%	None Lowest
Network	Visa Signature	Visa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
Gas Stations	1.5%	2x
Ridesharing	1.5%	2x
Transit	1.5%	2x
Everything else	1.5%	1x
Statement creditsAs the issuer states them · — means none on record
Travel	—	25% United inflight
Dining & delivery	6 Months Free DashPass ($0 Delivery Fees) · $60 one-time $10 Off Quarterly on DoorDash Orders · $40/yr	—
Other credits	—	0% intro APR for 12 months on purchases
Perks & access— means none on record
Airline perks	—	Earn 2 checked bag certificates after $10K annual spend
Other perks	Annual Upgrade Evaluation to Freedom Unlimited Free Credit Score Tracking via Credit Journey Credit Limit Increase Review in 6 Months 24/7 Roadside Assistance (Pay-Per-Use) Use Your Card Same Day via Digital Wallet 24/7 Travel Emergency Assistance Worldwide	No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	$1,500 Trip Cancellation Insurance Per Person	Trip cancellation coverage up to $6,000 per trip
Rental car	$60,000 Auto Rental Collision Coverage	Rental car insurance (secondary coverage)
Purchase & returns	$500 Purchase Protection for 120 Days 24/7 Fraud Monitoring	Purchase protection up to $500 per item for 120 days
Extended warranty	1-Year Extended Warranty up to $10,000	Extended warranty adds 1 year to manufacturer warranty
Other protections	Instant Card Lock/Unlock via App 24/7 lost/stolen card assistance worldwide	—
Pros & cons
Pros	—	No annual fee ever No foreign transaction fees 2x miles on United purchases, gas stations, and local transit/rideshare 25% back on United inflight purchases and Club premium drinks 0% intro APR for 12 months on purchases
Cons	—	No automatic free checked bags (must spend $10K to unlock) No priority boarding Lower earn rates than premium United cards (2x vs 3x to 5x on United) No Global Entry/TSA PreCheck credit No annual travel credits
	Card details	Card details

Chase Freedom Rise® Credit Card
Chase · No annual fee
United Gateway Card
Chase · No annual fee

Overview

Annual fee: Chase Freedom Rise® Credit Card
$0
United Gateway Card
$0
Welcome offerCurrent public offer: Chase Freedom Rise® Credit Card
$25 statement credit
United Gateway Card
Up to 50,000 miles
Rewards: Chase Freedom Rise® Credit Card
Cash back
United Gateway Card
United MileagePlus
Foreign transaction fee: Chase Freedom Rise® Credit Card
3%
United Gateway Card
None
Lowest
Network: Chase Freedom Rise® Credit Card
Visa Signature
United Gateway Card
Visa Signature

Earn ratesPer $1 spent · points and cash back aren’t ranked against each other

Gas Stations: Chase Freedom Rise® Credit Card
1.5%
United Gateway Card
2x
Ridesharing: Chase Freedom Rise® Credit Card
1.5%
United Gateway Card
2x
Transit: Chase Freedom Rise® Credit Card
1.5%
United Gateway Card
2x
Everything else: Chase Freedom Rise® Credit Card
1.5%
United Gateway Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: Chase Freedom Rise® Credit Card
—
United Gateway Card
25% United inflight
Dining & delivery: Chase Freedom Rise® Credit Card
6 Months Free DashPass ($0 Delivery Fees) · $60 one-time
$10 Off Quarterly on DoorDash Orders · $40/yr
United Gateway Card
—
Other credits: Chase Freedom Rise® Credit Card
—
United Gateway Card
0% intro APR for 12 months on purchases

Perks & access— means none on record

Airline perks: Chase Freedom Rise® Credit Card
—
United Gateway Card
Earn 2 checked bag certificates after $10K annual spend
Other perks: Chase Freedom Rise® Credit Card
Annual Upgrade Evaluation to Freedom Unlimited
Free Credit Score Tracking via Credit Journey
Credit Limit Increase Review in 6 Months
24/7 Roadside Assistance (Pay-Per-Use)
Use Your Card Same Day via Digital Wallet
24/7 Travel Emergency Assistance Worldwide
United Gateway Card
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: Chase Freedom Rise® Credit Card
$1,500 Trip Cancellation Insurance Per Person
United Gateway Card
Trip cancellation coverage up to $6,000 per trip
Rental car: Chase Freedom Rise® Credit Card
$60,000 Auto Rental Collision Coverage
United Gateway Card
Rental car insurance (secondary coverage)
Purchase & returns: Chase Freedom Rise® Credit Card
$500 Purchase Protection for 120 Days
24/7 Fraud Monitoring
United Gateway Card
Purchase protection up to $500 per item for 120 days
Extended warranty: Chase Freedom Rise® Credit Card
1-Year Extended Warranty up to $10,000
United Gateway Card
Extended warranty adds 1 year to manufacturer warranty
Other protections: Chase Freedom Rise® Credit Card
Instant Card Lock/Unlock via App
24/7 lost/stolen card assistance worldwide
United Gateway Card
—

Pros & cons

Pros: Chase Freedom Rise® Credit Card
—
United Gateway Card
No annual fee ever
No foreign transaction fees
2x miles on United purchases, gas stations, and local transit/rideshare
25% back on United inflight purchases and Club premium drinks
0% intro APR for 12 months on purchases
Cons: Chase Freedom Rise® Credit Card
—
United Gateway Card
No automatic free checked bags (must spend $10K to unlock)
No priority boarding
Lower earn rates than premium United cards (2x vs 3x to 5x on United)
No Global Entry/TSA PreCheck credit
No annual travel credits

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The United Gateway Card wins in 3 of 4 categories. The Chase Freedom Rise® Credit Card leads in 1.

Gas Stations

United Gateway Card earns 2X vs 1.5X

Ridesharing

United Gateway Card earns 2X vs 1.5X

Transit

United Gateway Card earns 2X vs 1.5X

Everyday purchases

Chase Freedom Rise® Credit Card earns 1.5X on all other spending vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Ongoing value favors the Chase Freedom Rise® Credit Card; year-one value favors the United Gateway Card.

Scenario	Chase Freedom Rise® Credit Card	United Gateway Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $180 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $210 Year one: $283	Rewards: $158 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $158 Year one: $638	Chase Freedom Rise® Credit Card	United Gateway Card
Heavy spender: $4,000/month	Rewards: $720 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $750 Year one: $823	Rewards: $634 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $634 Year one: $1,114	Chase Freedom Rise® Credit Card	United Gateway Card

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Chase Freedom Rise® Credit Card means losing:

-Free checked bags

Which Card Is Right for You?

Get the Chase Freedom Rise® Credit Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

Ongoing value favors the Chase Freedom Rise® Credit Card; year-one value favors the United Gateway Card.

Everyday (non-bonus) spend earns 1.5X on the Chase Freedom Rise® Credit Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Rise® Credit Card or United Gateway Card?: The Chase Freedom Rise® Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Chase Freedom Rise® Credit Card have that the United Gateway Card doesn't?: The Chase Freedom Rise® Credit Card offers dining credits. The United Gateway Card offers travel credits.
Should I get the Chase Freedom Rise® Credit Card or the United Gateway Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Chase Freedom Rise® Credit Card — Full Review All Chase Cards

United Gateway Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.