United℠ Gateway vs Frontier Airlines World Mastercard®
Side-by-side comparison
| United℠ Gateway | Frontier Airlines World Mastercard® | |
|---|---|---|
| Annual fee | No annual fee | $99 |
| Welcome offer | Up to 40,000 bonus miles | 100,000 miles |
| Dining | 1x | 3x |
| Groceries | 1x | 1x |
| Gas | 2x | 1x |
| Travel | 1x | 5x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $320 | $424 |
| Points type | Locked to United MileagePlus | Locked to Frontier Miles |
| Network | Visa | Mastercard |
*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 United℠ Gateway earns about $320 a year in rewards and the Frontier Airlines World Mastercard® about $424, valuing every point at a flat 1 cent. The United℠ Gateway has no annual fee, so its rewards are all profit. The Frontier Airlines World Mastercard® charges $99, which you clear through its rewards and perks. The two are effectively tied on value, with the Frontier Airlines World Mastercard® marginally ahead, mostly because it earns more where you spend most, on travel and dining. 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 Frontier Airlines World Mastercard® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Gateway if your spending leans toward gas. Pick the Frontier Airlines World Mastercard® if your spending leans toward dining, travel.