United Gateway Card – Full Review [2023]

Name: United Gateway Card – Full Review [2023]
Item: United Gateway Card
Rating: 4
Author: Alex Miller

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"Earn United miles, all without an annual fee!"

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Learn More (at Chase's secure site)

Alex Miller

- Updated: June 1, 2023, 11:02pm CDT|

8Comments

The United Gateway℠ Card is a great option for those looking to earn more United miles without wanting to pay a credit card annual fee. Plus, the card offers other solid benefits like a 25% back on United inflight purchases, purchase protection, and rental car insurance.

Pros

2x miles per $1 on United purchases
2x miles per $1 at gas stations and on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit
1x mile per $1 on all other purchases
No annual fee
25% back on inflight purchases
No foreign transaction fees
Trip cancellation and trip interruption insurance
Rental car insurance
Purchase protection
Extended warranty coverage

Cons

If you are a frequent United flyer, other cards offer more perks
It does not earn transferable rewards

United Gateway Card - Snapshot

Welcome Bonus & Info (Partner Content)
- Earn 30,000 bonus miles
- No annual fee
- Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
- Earn 2 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent at gas stations, on local transit and commuting
- Earn 1 mile per $1 spent on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Member FDIC
Card Categories:
Related Articles

Great Card If

You’re looking for a way to earn more United miles without paying an annual fee

Don't Get If

You don’t fly with United

United Gateway Card - Fees

Annual Fee
- $0
Foreign Transaction Fees
None
Interest Rates
- 0% Intro APR on Purchases for 12 months; after that, 21.49% - 28.49% Variable
Late fees
- Penalty APR: Up to 29.99% variable
Balance Transfers
- 21.49% - 28.49% Variable
- Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance APR
- 29.99% Variable
- Fee: Either $10 or 5% of the amount of each transaction, whichever is greater.

Featured Image Credit: Chase

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned tens of millions of travel points and miles, mainly through maximizing every opportunity to earn the most points possible on each dollar spent.

8 comments

Charles T Kelly May 2, 2021

How do you receive the 20,000 bonus miles? Do you have to spend a certain amount on the card within a time frame?

Jarrod West May 3, 2021
Hi Charles,
That is correct, the current welcome bonus awards you 20,000 miles after you spend $1,000 on purchases in the first 3 months your account is open.
Reply

Mohamad Moussa April 13, 2022

Hi. I applied for United Gateway card several days ago and did not receive answer yet.

Katie Seemann April 13, 2022
Hi Mohamad,
If you weren’t approved immediately, sometimes it can take days or even a couple of weeks to get an answer. You can contact Chase if you’d like to check on the status of your application.
Reply

rgy November 8, 2022

The advertising claims these credit cards can be used instantly (after approval) before the physical card arrives – does this mean also to book a flight? when does the bonus period begin – upon approval or when the card is activated by me?

Jarrod West November 9, 2022
Hi Rgy,
Yes, you should be able to book a flight before your physical card arrives. The bonus period begins upon you being approved for the card.
Reply