United Gateway℠: No Annual Fee United Travel Rewards
Earn 2X miles on United purchases, gas stations, local transit and commuting, plus enjoy no annual fee and travel friendly benefits for occasional United travelers.
The Bottom Line
4.2
BIG4CREDIT RANKING
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Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
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The United Gateway℠ Card is a good entry-level airline card for occasional United Airlines travelers who want to earn miles without paying an annual fee. It offers up to 5X miles on United purchases and 2X miles on everyday categories like gas stations, local transit and commuting, along with no foreign transaction fees and a 0% intro APR for the first 12 months on purchases. The card works well for beginners who want a simple way to earn United miles and enjoy basic airline-related benefits while keeping costs low. The welcome bonus can also provide good short-term value for light travelers. The downside is that the card lacks many of the premium airline perks found on higher-tier United cards, such as lounge access or priority boarding. As a result, frequent United travelers will likely get more long-term value from upgrading to a more premium option. Overall, this card is best for casual United flyers and beginners seeking a no-annual-fee airline rewards card with straightforward travel benefits.
United Gateway℠
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Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
19.74% - 28.24% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn up to 5X miles on United flights: 3X miles as a MileagePlus® member plus 2x miles with the United Gateway℠ Card. You’ll also earn 2X miles on all other eligible United purchases, gas stations, local transit, and commuting, and 1X mile on all other purchases.
1x - 2x Miles
Welcome Offer Earn 30,000 bonus miles after spending $1,000 in the first three months, plus an additional 10,000 bonus miles when you add an authorized user within the same three-month period.
40,000 Miles
Welcome Offer
- Earn 30,000 bonus miles after spending $1,000 in the first three months.
- Earn 10,000 bonus miles after adding an authorized user to your account in the first three months.
Rewards
- Up to 5X Miles on United Purchases:
- 5X Miles on United Flights: Earn 3X miles as a MileagePlus member and 2X miles with the United Gateway Card.
- 2X Miles on all other eligible United purchases.
- 2X Miles Categories:
- Gas Stations
- Local Transit and Commuting
- 1X Mile on all other purchases.
Redemption Options
- Redeem miles for flights, hotel stays, car rentals, shopping, dining, gift cards, and more.
- 10% Award Flight Discount: Save at least 10% on flights booked with miles after spending $10,000 in a calendar year. Premier members may receive even greater discounts.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases: For 12 months from account opening.
- Regular APR: After the introductory period, a variable APR of 19.74% - 28.24% applies to purchases and balance transfers.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Travel Benefits
- Checked Bag Benefit: Earn two free checked bags after you spend $10,000 in a calendar year.
- 25% Inflight & Lounge Savings: Get 25% back as a statement credit on eligible food, beverages, and Wi-Fi purchases on United-operated flights, plus Club premium drinks.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $60,000.
- Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
Travel & Emergency Assistance
- Roadside Assistance: Get help with towing, battery jump-starts, tire changes, locksmith services, or fuel delivery, up to $50 per incident, up to 4 times per year.
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).
Purchase Protections
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
- Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
Lifestyle Perks
- Visa Signature Concierge: 24/7 concierge assistance for travel planning, dining reservations, event tickets, and other services (availability and outcomes not guaranteed).
Convenience Features
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Nice Extras
- Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.
Buy Now, Pay Later Options
- Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
Terms and Conditions
Click Apply Now to see the terms and conditions.