United Gateway Card – Full Review [2024]

Name: United Gateway Card – Full Review [2024]
Item: United Gateway Card
Rating: 4
Author: Alex Miller

Updated: April 3, 2024, 1:22pm CDT

Edited by:

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United Gateway℠ Card

U.P. Rating4

Learn More(at Chase's secure site)

Welcome Offer
Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.
20,000 miles
Annual Fee
$0
APR
0% Intro APR on Purchases for 12 months; after that, 21.99% - 28.99% Variable
Credit Recommended
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 (670-850)

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. Rating4

Learn More(at Chase's secure site)

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.

Card Snapshot

Welcome Bonus & Info

Earn 20,000 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

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

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

About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.