Allegiant Allways Rewards Visa® vs United℠ Gateway
Side-by-side comparison
| Allegiant Allways Rewards Visa® | United℠ Gateway | |
|---|---|---|
| Annual fee | $59 | No annual fee |
| Welcome offer | 45,000 points | Up to 40,000 bonus miles |
| Dining | 2x | 1x |
| Groceries | 1x | 1x |
| Gas | 1x | 2x |
| Travel | 3x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $358 | $320 |
| Points type | Locked to Allegiant Allways Rewards | Locked to United MileagePlus |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Allegiant Allways Rewards Visa® earns about $358 a year in rewards and the United℠ Gateway about $320, valuing every point at a flat 1 cent. The Allegiant Allways Rewards Visa® charges $59, which you clear through its rewards and perks. The United℠ Gateway has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the United℠ Gateway delivers more total value, about $22 a year more for a typical spender, mostly because it earns more where you spend most, on gas. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Allegiant Allways Rewards Visa® if your spending leans toward dining, travel. Pick the United℠ Gateway if your spending leans toward gas.