United℠ Gateway vs Sun Country Airlines® Visa Signature® Card
Side-by-side comparison
| United℠ Gateway | Sun Country Airlines® Visa Signature® Card | |
|---|---|---|
| Annual fee | No annual fee | $89 |
| Welcome offer | Up to 40,000 bonus miles | 25,000 points |
| Dining | 1x | 1x |
| Groceries | 1x | 2x |
| Gas | 2x | 2x |
| Travel | 1x | 3x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $320 | $409 |
| Points type | Locked to United MileagePlus | Locked to Sun Country Rewards |
| 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 United℠ Gateway earns about $320 a year in rewards and the Sun Country Airlines® Visa Signature® Card about $409, valuing every point at a flat 1 cent. The United℠ Gateway has no annual fee, so its rewards are all profit. The Sun Country Airlines® Visa Signature® Card charges $89, which you clear through its rewards and perks. The two are effectively tied on value, with the United℠ Gateway marginally ahead, mostly because it skips the annual fee the other charges. 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 United℠ Gateway currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Sun Country Airlines® Visa Signature® Card if your spending leans toward groceries, travel.