United℠ Gateway vs JetBlue Plus
Side-by-side comparison
| United℠ Gateway | JetBlue Plus | |
|---|---|---|
| Annual fee | No annual fee | $99 |
| Welcome offer | Up to 40,000 bonus miles | 70,000 bonus points after $1,000 in 90 days |
| Dining | 1x | 2x |
| Groceries | 1x | 2x |
| Gas | 2x | 1x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $320 | $382 |
| Points type | Locked to United MileagePlus | Locked to JetBlue TrueBlue |
| 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 JetBlue Plus about $382, valuing every point at a flat 1 cent. The United℠ Gateway has no annual fee, so its rewards are all profit. The JetBlue Plus charges $99, but carries about $100 in annual statement credits that offset it for anyone who uses them. The two are close on value, but the JetBlue Plus edges ahead by about $12 a year, mostly because it earns more where you spend most, on groceries 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 JetBlue Plus 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 JetBlue Plus if your spending leans toward dining, groceries.