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The information related to United Gateway℠ Card has been collected by The Ascent and has not been reviewed or provided by the issuer. Check out our best credit cards for current offers.
The United Gateway℠ Card is the airline's starter credit card. It doesn't charge an annual fee, making it the most economical United card, and it offers a reasonable lineup of perks. However, its benefits are more limited than the other credit cards in United's lineup. Find out what it offers and if it makes sense for you in this United Gateway℠ Card review.
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
21.99% - 28.99% Variable
Rewards 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. 1 mile per $1 spent on all other purchases.
N/A
Annual Fee
$0
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.
Earn 20,000 bonus miles
For people who fly United frequently, this card packs a bit of a punch with it's sign-up bonus and rewards rate. Unfortunately, it doesn't offer free checked bags or similar travel perks.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 20.24%, 25.24%, or 29.99% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 28.24% Variable APR |
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Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 19.24% - 29.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
This credit card is a good fit for: Occasional United flyers who want a no annual fee card with the airline. Those who don't mind an annual fee could likely get more value from one of United's other credit cards.
You'll receive 20,000 bonus miles when you spend $1,000 on purchases with the United Gateway℠ Card in the first 3 months.
United MileagePlus miles have an approximate value of $0.01 to $0.015 each, depending on how you redeem them. That means the 20,000-mile bonus is worth about $200 to $300. It's a fairly competitive bonus compared to other no annual fee cards. You could use those miles for one or more domestic economy tickets, or you could save them to stock up for a future trip.
See more: Best Sign-Up Bonus Credit Cards
The United Gateway℠ Card earns:
Overall, it's a solid set of bonus categories. Gas stations are an area where many consumers have high spending, and local transit and commuting are bonus categories we don't see often.
See more options: Best Rewards Credit Cards
If you want a no annual fee card, the United Gateway℠ Card fits the bill. It also works well if you have a different United card that you want to downgrade to avoid an annual credit card fee.
You'll get a 25% statement credit on various United in-flight purchases when you pay with your United card. These include food, beverages, and wifi on United-operated flights.
You won't get charged any extra fees on transactions you make during trips outside the United States. Most of the best travel rewards cards have eliminated foreign transaction fees, so this perk isn't unique. Regardless, it's a nice feature.
When you pay with this card, it offers the following travel protections on eligible purchases:
Eligible purchases made through this card receive the following:
Learn more: Best Airline Credit Cards
There are a couple issues to note with this card.
The biggest drawback of the United Gateway℠ Card is its sparse benefits. You won't get a free checked bag, priority boarding, or any passes to United Club (the airline's airport lounges). Those perks are all included with the United℠ Explorer Card.
Before you decide to apply for the United Gateway℠ Card, it's a good idea to review United's other credit cards. You may find one of them offers more value -- even if it charges an annual fee.
To get the United Gateway℠ Card, we recommend having a FICO® Score of at least 670. You'll likely need good credit to be approved. However, your credit score isn't the only important factor on a credit card application.
Because this is a Chase credit card, there's one more qualification to note before you apply. The card issuer almost always denies applications from anyone who has opened five or more credit cards over the previous 24 months (known as Chase's 5/24 rule). If you'll likely be denied because of this rule, you're better off not applying.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
You fly with United a couple times per year and want a credit card that doesn't come with a yearly fee.
The United Gateway℠ Card provides valuable features for a free travel card. If there's one thing working against it, it's that the other three United cards offer so much more. Make sure to compare credit cards and see whether you could get more value from these alternatives:
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
The minimum starting credit limit for the United Gateway℠ Card is $1,000. Chase determines your card's credit limit based on your credit worthiness. Depending on your income and credit history, you may qualify for a higher credit limit.
The United Gateway℠ Card typically arrives in the mail within seven to 10 business days after the application is approved.
Yes, authorized users earn miles for the primary cardmember's account.
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