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The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
0% Intro APR on Purchases for 12 months; after that, 20.49% - 28.99% Variable
Good to Excellent
The New United Gateway℠ Card
The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The New 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.
Card Details
Card Snapshot
Welcome Bonus & Info
Limited-Time Offer: Earn 30,000 bonus miles
0% intro APR for the first 12 months from account opening on purchases & no annual fee.
2x miles on United® purchases
2x miles at gas stations, on local transit and commuting
1x mile 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
Earn 2 checked bags after you spend $10,000 in a calendar year
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
$0 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
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Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
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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.
You want a card that offers more United benefits.
The New United Gateway Card — Is It Worth It?
The United Gateway card is an interesting option for those who fly with United often and are looking for a card to help them earn more United miles on their day-to-day purchases without needing to pay an annual fee.
You earn 2x miles on United purchases, at gas stations, along with local transit and commuting purchases. Plus, the card offers a discount on inflight United purchases, travel and purchase protections, and more.
United Gateway Card Top Benefits
Here is a look at some of the top benefits you enjoy with the United Gateway card:
2 checked bags: Earn 2 checked bags on United or United Express operated flights after spending $10,000 in a calendar year on your card.
25% back on United inflight purchases: Get 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on board United-operated flights, and on Club premium drinks.
Complimentary DoorDash DashPass: Get 1-year complimentary DashPass, which provides unlimited deliveries with zero delivery fees and lower service fees on eligible orders. Activate by December 31, 2027.
Trip Cancellation and Interruption Insurance: If your trip is cut short or canceled for a covered situation, you receive coverage of up to $1,500 per person and $6,000 per trip toward nonrefundable expenses.
Auto Rental Collision Damage Waiver: Receive secondary rental car insurance covering theft and collision damage to your rental car.
Purchase Protection: Purchases made with the card are covered for up to $500 per claim and $50,000 per year in case of theft or accidental damage up to 120 days from the purchase date.
Extended Warranty Coverage: Products purchased with your card that have extended warranties of 3 years or less have their warranties extended by 1 additional year.
No foreign transaction fees: Use your card to earn miles while traveling overseas without paying a foreign transaction fee.
How To Earn and Redeem Your United Miles
The United Gateway card helps you earn more United miles on your everyday purchases without needing to pay an annual fee.
To earn as many miles as possible, use your card for as many purchases as you can, especially on those that fall within its 2x bonus categories of United purchases, gas stations, local transit and commuting purchases. Plus, you still earn 1 mile per $1 on all other purchases.
Once you’ve built up enough United miles, you’ll be well on your way toward your next vacation! If you need inspiration for where your United miles can take you, read through our guide on the best ways to redeem your United miles.
Alternative Cards to the United Gateway Card
The New United℠ Explorer Card
If you fly with United often enough to justify having a card with an annual fee, then the United Explorer card is one you should consider.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
60,000 miles
$720
$150
20.49% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent
Why We Like This Card
You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.
It earns 2 miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays. Plus, it offers perks like a free checked bag, priority boarding, a slew of credits, and the ability to earn Premier Qualifying Points for your card spending.
Wells Fargo Autograph℠ Card
If you want a card that earns rewards transferable to a variety of airline and hotel partners with no annual fee, then the Wells Fargo Autograph card might be better suited for you.
The card offers 6 different 3x points bonus categories, including restaurants, travel, gas stations, transit, popular streaming services, and phone plans. It also offers perks like cell phone protection, no foreign transaction fees, and access to Wells Fargo transfer partners, with a $0 annual fee.
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