Last updated: 6/14/2022

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United Gateway

Earns: United MileagePlus

GigaTake:

The no annual fee makes is an acceptable choice if you want to earn United miles. There are likely other cards that offer you more valuable rewards, whether it’s cash back or more lucrative points cards.

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Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} United MileagePlus
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • An acceptable way to earn United miles without an annual fee.

Cons

  • No annual fee.
  • Other cards earn more.

See how the United Gateway compares to other credit cards

United Gateway Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1.3 cents per point
Effective Value = 2.6 %

0%
6%

Reward Rate = 2x

Value = 1.3 cents per point
Effective Value = 2.6 %

0%
4%

Reward Rate = 1x

Value = 1.3 cents per point
Effective Value = 1.3 %

0%
3%

Welcome Bonus = 30,000

Value = 1.3 cents per point
Effective Value = $390

$0
$1700

Annual Fee = $0

$0
$995
Welcome Bonus
30,000

OK

Bonus Rating

Points

After you spend $1,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2x Gas

Very Good

very good

2x Local Transit and Commuting

Excellent

excellent

Excellent

In the top 15% of cards.

2x United Airlines

Excellent

excellent

Excellent

In the top 15% of cards.

1x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
United MileagePlus
Gigapoints Value
1.3¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

25% Back on inflight purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Gateway Card.

No blackout dates

As the primary Cardmember, you will also enjoy expanded award availability when you use miles to book any United-operated flight, any time, with no restrictions or blackout dates.

The Fine Print

PURCHASES APR 17.74% – 24.74%
BALANCE TRANSFER FEE Either $5 or 5% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.74% Variable
CASH ADVANCE FEE Either $10 or 5% of the amount of each transfer, whichever is greater.
LATE PAYMENTS Up to $40.
FOREIGN TRANSACTION FEE 0%