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United Gateway℠ Card

Credit needed
Good, Excellent
APR
16.49% to 23.49%
Annual Fee
$0

Card Summary

The United Gateway Card, a credit card with no annual fee that is available to frequent United Airlines flyers, earns bonus mileage on purchases made by United Airlines.

The robust rewards program includes 2 miles for every dollar spent on United Airlines, local transit, commuting, gas station, or other eligible purchases. After you have spent $1,000 in your first three months of opening an account, cardholders will be eligible for a 20,000 mile introductory bonus. Additional perks include 25% off United In-Flight Purchases, an Auto Rental Collision Damage Waiver, Trip Cancellation or Interrupt Insurance, and concierge services.

Review of the United Gateway Card:

The card gives you bonus miles for flying on United Airlines.

There is no annual fee, and you only need to meet a very low sign-up requirement in order to receive the reward.

The pros

Reward categories:

The card can earn 2 miles for every $1 spent at gas stations, on United Airlines and local transportation and commuting.
There is no foreign transaction fee and there's no annual fee.
It's also a great choice for international travelers because they don't charge any fees to make transactions abroad.

Card Summary - Cons

Cardholders will not receive any airline-specific benefits.

This card does offer a 25% discount for eligible United In-Flight Purchases, but it doesn't have the same perks as other airline credit cards like priority boarding or access to airport lounges.

There is no 0% APR Promotion: The United Gateway Card does not offer a promotional annual percentage rate of 0% on balance transfers or purchases.

Rates and fees

Issuer Name
Chase
Penalty APR
Maximum 29.99%
Credit Needed
Good, Excellent
Balance Transfer Fee
The transfer amount must be either $5 or 5%, depending on which is higher.
Annual Fee
$0
Cash Advance Fee
You can choose to pay $10 or 5% depending on the transaction amount.
APR
16.49% to 23.49%
Foreign Transaction Fee
$0
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The Best Features

Rewards

Sign up bonus

APR Requirements

Drawbacks

Highlights

Get 20,000 Bonus Miles.
There is no annual charge.
Spend $1 on United Purchases, gas stations and local transit and commuting to earn 2 miles.
Earn 2 miles per $1 spent on United purchases spend $1 on local transportation and commuter services to earn 2 miles.
All other purchases earn 1 mile for every $1.

Benefits

Comparative Analysis with Other Cards

United Gateway Card or Capital One Venture One Rewards Card?

Annual fees: There are no annual fees for both cards.

Reward: The United Gateway Card earns 2 miles for every dollar spent on United Airlines, local transit, commuting, gas station, and other eligible purchases. Capital One Venture One Rewards Credit Card offers 1.25 miles for every dollar spent on eligible purchases.

Sign up bonus: After you have spent $1,000 in your first three months of account opening, the United Gateway Card will offer a 20,000 mile introductory bonus. Capital One Venture One Rewards Credit card holders will earn 20,000 miles if they spend $500 within the first 3 months of account opening. This is equal to $200 for travel.

Benefits: The United Gateway Card offers a trip cancellation and interruption coverage, auto rental collision damage waiver, purchase protection, extended warranty coverage, as well as trip cancellation and disruption coverage. The Capital One Venture One Rewards Credit Card gives you access to emergency services and fraud protection.

United Gateway Card and American Airlines MileUp Card

Annual fees: There is no annual fee for the card.

Reward: United Gateway Card Holders earn 2 miles per $1 on United Airlines, local transit, commuting, gas station, and other eligible purchases. American Airlines AAdvantage Mile Up Card earns 2 miles per $1 on purchases at grocery stores (including delivery) as well as on purchases made by eligible American Airlines. All other purchases will get 1 mile per $1.

Sign-up bonus: New United Gateway Card Holders receive a 20,000 mile sign-up bonus after they spend $1,000 in purchases within the first three months of opening their account. American Airlines AAdvantage MilevUp Card gives 10,000 miles if you spend $500 within 3 months.

Benefits: The United Gateway Card offers you a 25 percent discount on United In-Flight Purchases, an Auto Rental Collision Damage Waiver, Trip Cancellation or Interrupt Coverage, and Extended Warranty coverage. American Airlines' AAdvantage MileUp card benefits include 25% off on all in-flight meals and beverages.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

Do You Need the United Gateway Card?

If you are:

Fly regularly with United Airlines.
You prefer to not pay an annual fee.
It is common to travel abroad.
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