You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

OkayClose

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

OkayClose
Products
Resources
Get Started
Close Menu
Products Dropdown arrow
Bright Builder

Bright Builder

Build Credit history with on-time payments¹

Bright Plan

Bright Plan

Customized debt pay-off and budgeting plan

Smart Round-Ups

Smart Round-Ups

Round up everyday purchases and save effortlessly

Rent Reporting

Rent Reporting

Rebuild your credit history with rent payments

Personal Loans

Personal Loans

Multiple loan offers from partners in minutes

Cash Advance

Cash Advance

Multiple offers of up to $750. All credit scores can apply

Resources Dropdown arrow
Learn

Learn

Learn finance insights & explore latest money issues

Calculators

Calculators

Loan Repayment Calculator to check the Loan amount

Credit Cards

Credit Cards

Credit Cards supported by Bright

Careers

Careers

Discover career opportunities and join our dynamic team

FAQs

FAQs

How can we help you or get in touch with us

Get Started Arrow icon

Bright Builder

Build Credit history with on-time payments¹

Bright Plan

Customized debt pay-off and budgeting plan

Smart Round-Ups

Round up everyday purchases and save effortlessly

Rent Reporting

Rebuild your credit history with rent payments

Personal Loans

Multiple loan offers from partners in minutes

Cash Advance

Multiple offers of up to $750. All credit scores can apply

Learn

Learn finance insights & explore latest money issues

Calculators

Loan Repayment Calculator to check the Loan amount

Credit Cards

Credit Cards supported by Bright

Careers

Discover career opportunities and join our dynamic team

FAQs

How can we help you or get in touch with us

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

OkayClose

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

OkayClose

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

OkayClose

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

OkayClose
chase

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

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.

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.

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.

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

Get the Bright App
Ai Powered App, to Delete Debt