The United Gateway is the no-annual-fee entry point into United's card lineup, earning 2 miles per dollar on eligible United purchases, gas, and transit, and 1 mile on everything else. It carries the Best No-Fee badge on our Best Airline Credit Cards list, and it opens with 30,000 bonus miles after spending $1,000 in the first 3 months, plus 10,000 more for adding an authorized user. A 12 month 0% intro APR on purchases adds a little flexibility, and there is no foreign transaction fee. The catch is that the most useful perks are gated: two free checked bags and a 10% discount on award flights only unlock after you spend $10,000 in a calendar year. Beyond that, the only standing perk is 25% back on United inflight purchases, so this suits occasional United flyers who want to collect miles without paying a fee.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines On eligible United purchases | 2x |
Gas | 2x |
Transit | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Flight Booking Discount 10% off flights booked with miles after spending $10,000 in a calendar year | 10% /yr |
Inflight Purchase Rebate 25% back as statement credit on food, beverages, Wi-Fi on United flights and Club premium drinks | 25% |
Card details
Regular APR | 19.74%–28.24% variable |
Intro APR on purchases | 0% for 12 months |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
United GatewayBased on 3 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.