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Earn points for every dollar you spend, with no annual fee and no blackout dates for travel rewards!
The United Gateway card is a great option for earning miles without an annual fee. With a 30,000-mile bonus and 2x miles on United flights, gas, and local transit, it’s perfect for frequent travelers.
Want to learn more about how this card can benefit you? Keep reading to find out!
United Gateway
No annual fee 3% foreign transaction feeHow does the United Gateway work?
The United Gateway card is pretty straightforward. You earn miles every time you make a purchase. The best part? You don’t have to worry about complicated steps. Just use the card like you would any other credit card, and the miles add up automatically.
You get 2x miles for things like United flights, gas, and local transit (buses, taxis). So, whether you’re booking a flight or filling up your car, you’re earning miles along the way.
All those miles go straight into your MileagePlus account. This is great because it means you don’t need to track them manually. You’re also free from extra fees if you travel abroad since there are no foreign transaction fees.
It’s a simple system. Use the card for the things you already spend on, and the miles just keep adding up. No gimmicks, no fine print – just straightforward rewards.
Main benefits for the United Gateway
The United Gateway card offers some solid benefits, especially if you travel a lot. First off, the 30,000-mile bonus you get after spending $1,000 in the first 3 months is pretty nice. It’s an easy way to rack up miles quickly and get started on your next trip.
You also earn 2x miles for purchases related to United. So, every time you book a flight with them, or even pay for gas or local transit, you’re earning more miles. If you’re someone who spends a lot in these areas, this card really helps you rack up miles fast.
There’s also the 25% back on inflight purchases. This means you’ll get a little extra back when buying things like food, drinks, or Wi-Fi during your flight, which can add up over time. And the cherry on top? No annual fee, so you can enjoy all these perks without worrying about paying a yearly fee.
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Cons for the United Gateway
Of course, there are a few downsides to consider. First, after the first 12 months, the APR jumps to a variable rate. This can range from 21.24% to 28.24%, which is pretty steep if you’re someone who tends to carry a balance on your card. So, if you don’t pay off your balance every month, that could add up quickly.
Another thing to keep in mind is that the card doesn’t come with some of the higher-end perks you might find with other United cards.
For example, you won’t get access to airport lounges, and you won’t get the same level of travel insurance that comes with premium cards. If you’re looking for those extras, this card may not be the best fit.
Also, while you earn 2x miles on certain purchases, other purchases only earn 1x mile. So, if you want a card that gives you more miles for a broader range of spending, this card might not stack up as well against other options.
APR and fees
The United Gateway card does have a 0% APR for the first 12 months, which is great if you need to make large purchases and want to avoid interest for a while. This can help you avoid paying extra if you’re planning to pay off your balance over time.
However, after the intro period, the APR jumps to a variable rate between 21.24% and 28.24%. This is definitely something to keep in mind if you tend to carry a balance. High APRs can add up quickly, so it’s best to pay off your balance before the rate changes.
One of the best parts of this card, though, is that there’s no annual fee. So, you won’t be stuck paying a yearly fee just to keep it. Plus, there are no foreign transaction fees, which is a big win if you travel outside the U.S. It means you can use the card abroad without worrying about extra costs.
How to apply for the United Gateway
Applying for the United Gateway card is pretty simple. You can go to either the Chase website or the United Airlines website to start the application. You’ll be asked for some basic info, like your name, address, income, and Social Security number.
The process doesn’t take long, and you’ll usually get an answer right away. If you’re approved, the card will be sent to you in the mail. Once you’ve got it, you can start using it right away to earn miles.
One thing to keep in mind is that approval is based on your credit, so having a good credit score will increase your chances of being approved. But overall, it’s a pretty quick and easy application process. After you’re approved, you can start earning miles and enjoying all the perks right away.
