The Gateway is the no-annual-fee entry point to United's card lineup, earning 2 miles per dollar on eligible United purchases, gas, and transit and 1 on everything else, with a 30,000-mile bonus after $1,000 in spend in the first 3 months plus 10,000 for adding an authorized user. It also offers a 12-month 0% intro APR on purchases and no foreign transaction fee, and it earns the Best No-Fee badge on our Best Airline Credit Cards list. The catch is that its most useful travel perks are locked behind heavy spending: two free checked bags and 10% off award flights only kick in after $10,000 in purchases in a calendar year. Without that spend, the only ongoing perk is 25% back on United inflight food, drinks, and Wi-Fi. It suits occasional United flyers who want to collect miles without a fee, but regular travelers will get more from a card that includes a free checked bag from day one.
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.