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United Gateway℠ Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.49% ‐ 23.49% (Variable)
Balance Transfer
16.49% ‐ 23.49% (Variable)
1 - 3 Miles
Signup Bonus
20000 miles (after spending $1,000)

Informr score
The United Gateway℠ Card currently has an Informr score of 7.6 out of 10. This score is based on our evaluation of 8 sources including reviews from users and the web's most trusted critics.

Am I eligible?

United Gateway℠ Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


The United Gateway Card is worth it for anyone who wants to earn United miles on every purchase for the purpose of redeeming those miles for award flights. This card doesn’t have any premium benefits, but the $0 annual fee and generous sign-up bonus bring it a lot of value.

- Ben Walker, FinanceBuzz

Airline cards are typically valuable for flyers who are loyal to one carrier. However, the new United Gateway℠ Card offers the potential to earn MileagePlus miles — even for the infrequent United flyer. This is a decent airline card to consider, as there are no foreign transaction fees and no annual...

- Stella Shon, ValuePenguin

The United Gateway℠ Card, United’s entry-level, no-annual-fee credit card earns MileagePlus miles and provides some travel benefits, but will leave most users wanting more. Frequent flyers on United Airlines would be better served by the newly launched United Quest Card. Those flying United Airlines...

- Aaron Hurd, Dia Adams, Forbes

Though 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.

- Nouri Zarrugh,

The United Gateway Card won’t appeal to frequent United fliers who are looking for a card with a lot of benefits. However, infrequent United fliers who want to earn miles toward award flights can find value in the one-time bonus and MileagePlus’ fairly high value per mile. Since this card doesn’t ch...

- Lance Cothern, Investopedia


Interest Rates
Regular APR Interest Rate 16.49% ‐ 23.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.49% ‐ 23.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (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


Sign up bonus 20000 miles after spending $1,000

On purchases within the first 3 months.

All Purchases 1 mile for $1 spent
Restaurants No
Gas 2 miles for $1 spent
Groceries 3 miles for $1 spent

Up to $1,500 per month through 9/30/2021

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
  • 25% Back on inflight purchases
  • No blackout dates
  • The Luxury Hotel & Resort Collection
  • United MileagePlus® Cardmember Exclusives
  • Trip Cancellation / Trip Interruption Insurance
  • Free year of DoorDash DashPass
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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