Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Nouri Zarrugh, CreditCards.comThough it falls short of other United credit cards when it comes to perks and ongoing rewards value, the United Gateway Card could be a good fit for occasional travelers looking to avoid an annual fee.
- Ben Schlappig, One Mile at a TimeThe United Gateway Card is United Airlines’ no annual fee personal credit card. The card has no foreign transaction fees and offers 2x miles in select bonus categories. On top of that, the card offers 25% savings on inflight purchases, as well as useful purchase and travel protection. If you want a...
- Tim Devaney, Credit KarmaThe United Gateway℠ Card could be right for airline loyalists who really, really don’t want to pay an annual fee. But most United flyers will probably be better off with another card. Even if you don’t travel often, other cards with no annual fee are likely to give you more value for your spending. ...
- Jason Steele, Money CrashersThe United Gateway Card is a basic airline credit card, but it still manages to give you more than you would expect from a stripped down version of the more premium cards. It does this by offering expanded award availability, decent travel insurance and purchase protection and many opportunities to...
- Emily Thompson, The Points GuyIf you're considering diversifying your miles portfolio with a United credit card, the Gateway might be a great way to start with the MileagePlus program. As you plan your upcoming trips, this card is certainly worth considering if you are a travel beginner who wants to earn United miles on everyday...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
21.99% ‐ 28.99% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
21.99% ‐ 28.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
29.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% Minimum of $5 |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$40.00 Maximum |
| Promotions | |
| Sign up bonus |
20000 miles after spending $1,000 On purchases within the first 3 months. |
| Rewards | |
| All Purchases | 1 mile for $1 spent |
| Restaurants | No |
| Gas | 2 miles for $1 spent |
| Groceries | No |
| Hotels | No |
| Travel |
2 miles for $1 spent Spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, baggage service charges and other United fees. |
| Pharmacy | No |
| Bills | No |
| Additional Details |
2 miles per $1 spent on local transit and commuting, including ride share services, taxicabs, train tickets, tolls, and mass transit |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | No |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | Yes |
| Price Protection | No |
| Fraud Protection | No |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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