United℠ Gateway vs JetBlue Premier
Side-by-side comparison
| United℠ Gateway | JetBlue Premier | |
|---|---|---|
| Annual fee | No annual fee | $499 |
| Welcome offer | Up to 40,000 bonus miles | |
| 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 Premier 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 Premier charges $499, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the United℠ Gateway delivers more total value, about $438 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 JetBlue Premier currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). 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 Premier if your spending leans toward dining, groceries.