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United Gateway℠ Card

United Gateway℠ Card

United Gateway℠ Card

Rewards
2X miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting. 1 mile per $1 spent on all other purchases.
Sign-up Bonus
Earn 15,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 3x on grocery store purchases up to $15k for the first year account is open.
Purchase APR
16.49% - 23.49% Variable
Edited by
Julie Sherrier
Reviewed by
Glen Luke Flanagan
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the United Gateway℠ Card best for?

Chase and United Airlines launched the United Gateway℠ Card in October 2020, a $0-annual-fee card replacing the United℠ TravelBank Card. Unlike the old card, the United Gateway℠ Card allows cardholders to earn miles within the MileagePlus rewards program. As the only United card available to new applicants with a $0 annual fee, the new card is perfect for occasional travelers who want an airline card affiliated with United Airlines.

Existing United℠ TravelBank Card cardholders, as well as those with a legacy United Mileage Plus® Card , were transitioned to the United Gateway℠ Card in September 2020. Cardholders who previously had the United℠ TravelBank Card will retain any rewards earned on that card.

We highlight what we like about the United Gateway℠ Card, as well as what to watch out for, and present another United Airlines credit card as an alternative so you can decide which card is best for your travel needs.

Card overview

    • Earn up to 15,000 bonus miles
    • No annual fee
    • Earn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting
    • Earn 2 miles per $1 spent on United Airlines purchases
    • Earn 2 miles per $1 spent at gas stations
    • Earn 2 miles per $1 spent on local transit and commuting
    • Earn 1 mile per $1 spent on all other purchases
    • Earn 3x on grocery store purchases up to $15k for the first year account is open.
  • Credit needed:
    660 850
    Excellent/Good
  • Auto rental collision damage waiver
  • Trip cancellation and interruption insurance
  • $0 foreign transaction fees
  • Price protection
  • Extended warranty protection
  • 25% back on United in-flight purchases
  • 24/7 Visa Signature® Concierge Service
  • No blackout dates
  • Special benefits through The Luxury Hotel & Resort Collection

Intro Purchase APR

N/A

Intro BT APR

N/A

Annual Fee

$0

Regular Purchase APR

16.49% - 23.49% Variable

Cash Advance Fee

Either $10 or 5% of the amount of each transaction, whichever is greater.

Foreign Transaction Fee

$0

Balance Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Pros and cons of the United Gateway℠ Card

Pros

  • Sign-up bonus
  • Rewards rate
  • $0 annual fee

Cons

  • No priority boarding
  • No waived checked bag fee
  • No airport lounge access

What we like about the United Gateway℠ Card

  • Sign-up bonus

    Earn 15,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 3x on grocery store purchases up to $15k for the first year account is open.

  • Rewards rate

    Earn 2X miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting. 1 mile per $1 spent on all other purchases.

    Redemption options for United MileagePlus miles include the following:

    • For flights on United and Star Alliance partner airlines
    • To upgrade your seat or a friend’s seat when flying
    • For cruises on more than 24 cruise lines
    • Hotel stays
    • Car rentals
    • To buy merchandise such as electronics and jewelry
    • Gift cards
    • To book “experiences” like concerts and sporting events

    You can also redeem 11,000 miles to apply for TSA Precheck, which normally costs $85. And you can transfer anywhere from 500 to 100,000 miles to another MileagePlus member.

  • Annual fee

    If you fly United frequently enough to want an airline card, but not so often that it makes sense to pay for a more premium card, you’ll like the United Gateway℠ Card’s annual fee of $0.

What to watch out for with the United Gateway℠ Card

  • No priority boarding

    Many airline credit cards offer priority boarding as a benefit, but the United Gateway℠ Card does not.

  • No waived checked bag fees

    Your first checked bag costs $35 when flying United in economy class, or $30 if you pay for the checked bag online at least 24 hours in advance of the flight. Many airline cards offer your first checked bag for free, which can result in substantial savings for frequent travelers. The United Gateway℠ Card does not come with that benefit, however.

  • No airport lounge access

    If you need airport lounge access, don’t expect to find it on a $0-annual-fee card. Travelers hoping to relax at United Club lounges during layovers should look at the United℠ Explorer Card (two one-time passes), which has an annual fee of $0 intro for the first year, then $95, or the United Club℠ Infinite Card (unlimited access), which has a $525 annual fee, instead.

Alternate United Airlines card to the United Gateway℠ Card

Compare it to the United℠ Explorer Card

Disclosures |
United℠ Explorer Card
United℠ Explorer Card
on Chase's secure site
N/A
16.49% to 23.49% Variable
$0 Intro for the First Year, then $95
Earn 2 miles per $1 spent on dining, hotel stays and United
  • Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $95
  • Earn 2 miles per $1 spent on dining, hotel stays, and United purchases
  • Up to $100 Global Entry or TSA PreCheck® fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on dining including eligible delivery services
640 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 

Both the United Gateway℠ Card and United℠ Explorer Card earn United MileagePlus miles. However, the United℠ Explorer Card offers a much higher sign-up bonus, as well as an elevated rewards rate on hotel stays. Cardholders earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.. Cardholders can also earn 2 miles per $1 spent on dining, hotel stays and United purchases. 1 mile per $1 spent on all other purchases.

Additionally, the United℠ Explorer Card offers a variety of valuable benefits, including a Global Entry or TSA Precheck fee credit, first checked bag free, priority boarding, two United Club one-time passes each anniversary, premier upgrades on award tickets and more.

Just know, the United℠ Explorer Card charges an annual fee after the first year of card membership of $0 intro for the first year, then $95.

Compare the United Gateway℠ Card to similar cards

Comparison of four different credit cards
United Gateway℠ Card United℠ Explorer Card Delta SkyMiles<sup>®</sup> Blue American Express Card American Airlines AAdvantage MileUp℠ Card
United Gateway℠ Card United℠ Explorer Card Delta SkyMiles® Blue American Express Card American Airlines AAdvantage MileUp℠ Card
Apply Now
on Chase's secure site
Apply Now
on Chase's secure site
Apply Now
on American Express's secure site
Terms Apply
Apply Now
on Citibank's secure site
Welcome Offer
Earn 15,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 3x on grocery store purchases up to $15k for the first year account is open. Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Earn 10,000 bonus miles after you spend $500 in purchases on your new Card in your first 3 months. Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Rewards Rate
2X miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting. 1 mile per $1 spent on all other purchases. Earn 2 miles per $1 spent on dining, hotel stays and United purchases. 1 mile per $1 spent on all other purchases Earn 2X Miles per dollar spent on Delta purchases and at restaurants, now worldwide. Earn 1X Mile on all other eligible purchases. Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases.
Annual Fee
$0 $0 Intro for the First Year, then $95 $0 $0
Intro Purchase APR
N/A N/A N/A N/A
Regular APR
16.49% - 23.49% Variable 16.49% to 23.49% Variable 15.74%-24.74% Variable 15.99% - 24.99% (Variable)
Recommended Credit
Excellent/Good Excellent/Good Excellent Excellent/Good
Card Details
United Gateway℠ Card United℠ Explorer Card Delta SkyMiles® Blue American Express Card American Airlines AAdvantage MileUp℠ Card

Is the United Gateway℠ Card right for you?

Occasional travelers who enjoy flying on United or with partner airlines in the Star Alliance will find value in the United Gateway℠ Card — it earns miles in useful, everyday spending categories and charges a $0 annual fee.

However, more frequent travelers looking for valuable benefits may benefit from considering the United℠ Explorer Card instead.

While it does charge an annual fee ($0 intro for the first year, then $95), benefits including a free checked bag for you and one companion and reimbursement for Global Entry or TSA Precheck every four years help you recoup that cost.

Meanwhile, travelers who aren’t regular United flyers should check out our list of best airline credit cards to find a card that fits their travel habits. And those who like flexibility in earning travel rewards may prefer a travel card not tied to any specific airline.

Apply Now
on Chase's secure site