The United Gateway Credit Card is a smart option for anyone who wants to earn travel rewards without overcomplicating their finances.
With no annual fee and easy-to-understand benefits, it’s a card that helps turn everyday spending into travel perks. Let’s break it down so you can see if it’s a good fit for you.
United Gateway
No annual fee. You keep more of your money. You need a good credit score to apply.How Does the United Gateway Work?
It lets you collect United MileagePlus miles on things you buy every day. Whether it’s groceries, gas, or flights, you can turn your spending into miles that can be used for flights, seat upgrades, hotels, and more.
Every time you use the card, you earn miles based on the type of purchase. These miles go straight into your MileagePlus account so you can easily track and redeem them.
Plus, the card comes with handy features like contactless payments and compatibility with digital wallets, making it super convenient to use.
One of the best things? There’s no annual fee. That means you don’t have to worry about extra costs, making this card a great starter option for anyone interested in earning travel rewards.
Main Benefits for the United Gateway
The United Gateway Card offers numerous advantages that make it an attractive option for both frequent travelers and individuals looking to earn rewards for their daily purchases. Here are the main ones:
Save 25% on food, drinks, and Wi-Fi on United-operated flights when you use the card.
Earn Miles:
Get 7x miles on United Airlines purchases, like flights and in-flight services.
Earn 2x miles at gas stations, on public transit, and for commuting costs like rideshares and train tickets.
Collect 1x mile for every dollar spent on all other purchases.
No Annual Fee:
Unlike many travel cards, this one doesn’t charge an annual fee, so it’s easier on your budget.
Introductory APR:
Enjoy 0% APR on purchases for the first 12 months. This can be helpful if you need extra time to pay off a big purchase.
After that, the APR changes to a variable rate between 20.99% and 27.99%, depending on your credit score.
Travel-Friendly Features:
No foreign transaction fees, which is great for traveling abroad.
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Cons for the United Gateway
While the United Gateway Card offers a lot of perks, there are a few downsides to consider before applying.
After the intro period, the variable APR can be quite high. To avoid interest charges, try to pay your balance in full each month.
Best for United Flyers:
The rewards are tied to United Airlines, so it’s most valuable if you fly with them often. If you prefer other airlines, you might want a card with more flexible rewards.
No Premium Travel Perks:
Unlike some high-end travel cards, this one doesn’t include perks like airport lounge access, free checked bags, or priority boarding.
High Ongoing APR:
APR and fees
One of the key selling points of the United Gateway Credit Card is that it has no annual fee. This makes it a budget-friendly option for those who want to avoid paying yearly costs for a rewards card.
The card also does not charge foreign transaction fees, which can save you money when making purchases outside of the U.S.
For new cardholders, there is a 0% introductory APR on purchases for the first 12 months. This is a great feature if you need time to pay off larger purchases or travel bookings.
- Annual Fee: None
- Foreign Transaction Fees: None
- Introductory APR: 0% on purchases for the first 12 months
- Ongoing APR: Variable rate between 20.99% and 27.99%, depending on your credit score
- Other Fees: There are standard fees for things like late payments and cash advances. Be sure to read the terms to avoid surprises.
After the 12-month period ends, the APR will switch to a variable rate between 20.99% and 27.99%, depending on your creditworthiness.
It’s also important to note that the United Gateway Card has some standard fees, such as those for late payments and cash advances.
To avoid unexpected costs, it’s a good idea to familiarize yourself with the card’s terms and conditions, so you can make the most of the benefits while avoiding potential fees.
How to apply for the United Gateway
Applying for the United Gateway Credit Card is a simple process that can be completed entirely online.
To get started, visit the card’s page on the Chase website and fill out an application form. You’ll need to provide personal details such as your name, address, income, and Social Security number.
Before applying, it’s a good idea to check your credit score to make sure you meet the eligibility requirements.
This card typically requires good to excellent credit, so it’s important to be aware of your standing before submitting your application. Once you submit your application, Chase may approve you instantly or ask for additional information.
If your application is approved, you’ll receive your United Gateway Credit Card in the mail within 7 to 10 business days. You can also add the card to a digital wallet and start using it for online purchases immediately.
