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United Gateway℠ Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
21.99% ‐ 28.99% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
21.99% ‐ 28.99% (Variable) (0% for the first 12 months)
Balance Transfer
21.99% ‐ 28.99% (Variable)
Balance Transfer
21.99% ‐ 28.99% (Variable)
1 - 2 Miles
1 - 2 Miles
Signup Bonus
20000 miles (after spending $1,000)
Signup Bonus
20000 miles (after spending $1,000)

Informr score
The United Gateway℠ Card currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 15 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...

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,
One Mile at a Time
One Mile at a Time

The 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...

- Ben Schlappig, One Mile at a Time
Credit Karma
Credit Karma

The 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. ...

- Tim Devaney, Credit Karma
Money Crashers
Money Crashers

The 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...

- Jason Steele, Money Crashers
The Points Guy
The Points Guy

If 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...

- Emily Thompson, The Points Guy


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


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 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
  • 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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