United Gateway Card review: No-annual-fee card that earns United miles
| 2x | 2x miles on United® purchases, at gas stations, and on local transit and commuting. |
| 1x | 1x mile on all other purchases. |
Editor's Note
United Gateway Card overview
The United Gateway℠ Card is a no-annual-fee airline credit card, ideal for those looking to dip their toes in the United MileagePlus program. It earns 7 total miles per dollar spent on United flights — 5 miles on fare from United as a MileagePlus member, plus 2 miles on your entire United purchase when you use this card. It also earns 2 miles per dollar spent on other United purchases outside of flights, at gas stations and on local transit and commuting purchases. Casual United flyers will enjoy using this card to boost their stash of miles for future travel. Card Rating*: ⭐⭐⭐
*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
The best travel credit card for you doesn't always have to be the fanciest one on the market or come with an annual fee.
If you fly with United Airlines or its Star Alliance partners, owning this no-annual-fee card can be an easy way to earn and redeem award miles. The United Gateway Card has a solid set of bonus categories beyond just United flights, which could help beginners rack up miles — even if they aren't constantly in the air.
TPG recommends you have a credit score of at least 670 to qualify for the United Gateway, but you could still be approved with a lower score.
Let's take a look at the details of this credit card.
United Gateway Card pros and cons
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United Gateway Card welcome offer
With the current welcome bonus for the United Gateway card, you'll earn 30,000 bonus miles after spending $1,000 on purchases in the first three months from account opening. Based on our November 2024 valuations, we value United miles at 1.35 cents each, making the sign-up bonus worth $405.
It's on par with other no-annual-fee airline credit cards. Depending on how you use these miles, you could potentially outsize the stated value of the sign-up bonus.
United Gateway Card benefits
While you're not going to get United's top-notch premium perks with the Gateway card, there are still some considerable benefits for a no-annual-fee travel card.
You'll get:
- 25% back on United inflight purchases
- United Card Events from Chase and United MileagePlus Events
- 24/7 Visa Concierge service
- Secondary car rental insurance
- Trip cancellation/interruption insurance
- Extended warranty protection for up to one year
- Purchase protection against damage and theft for up to 120 days
- No foreign transaction fees
Earning miles on the United Gateway Card
The Gateway Card offers a decent number of earning categories, from United purchases to everyday expenses:
- 7 miles per dollar spent on United flights (5 miles from being a MileagePlus member and 2 miles from being a Gateway cardholder)
- 3 miles per dollar spent on United Hotels (2 miles from being a MileagePlus member and 1 mile from being a Gateway cardholder)
- 2 miles per dollar spent on other United purchases
- 2 miles per dollar spent at gas stations
- 2 miles per dollar spent on local transit and commuting, including ride-hailing services, taxis, train tickets, tolls and mass transit
- 1 mile per dollar spent on other eligible purchases
While It's nice that the United Gateway Card earns bonus miles on local transit and gas purchases as well as on other United spending, you'll find similar or better earnings on these categories on other travel cards.
Related: Best credit cards for booking flights
Redeeming miles on the United Gateway Card
MileagePlus miles don't expire, so you can rest assured that you can use your rewards soon or even in the distant future if you aren't traveling soon.
United is part of Star Alliance, the largest airline alliance in the world. You can use your hard-earned MileagePlus miles to book partner airlines through United's website, such as Air Canada and Lufthansa. There's no shortage of destinations you can travel to with United miles.
Beyond using your miles for reward flights, you can also use them for gift cards, merchandise, other travel bookings and more. However, we generally don't recommend these other redemption options, as you likely won't get as much value.
Related: How to get maximum value from the United MileagePlus program
Which cards compete with the United Gateway Card?
If you aren't sure the United Gateway Card is for you, you may find a better fit in the other United cobranded cards, or other no-annual-fee travel cards.
- If you want more United benefits: The United℠ Explorer Card comes with a larger welcome bonus as well as up to a $120 credit for your Global Entry or TSA PreCheck application and a free checked bag for you and one companion traveling on the same reservation. You'll also get two one-time United Club passes each year. This card does come with a $95 annual fee, but it's waived for the first year. For more details, check out our full review of the United Explorer Card.
- If you want to earn Delta miles: The Delta SkyMiles® Blue American Express Card is a competing airline card with no annual fee (see rates and fees). It earns 2 miles per dollar on Delta and dining purchases at restaurants and 1 mile per dollar on everything else. For more details, check out our full review of the Delta SkyMiles Blue Amex.
- If you want more versatile travel rewards: The no-annual-fee Capital One VentureOne Rewards Credit Card (see rates and fees) offers a simple, practical rewards rate: 1.25 miles per dollar on all purchases. You can then transfer your miles to Capital One's airline and hotel transfer partners or redeem your miles at 1 cent each for any travel purchases on your statement. For more details, check out our full review of the Capital One VentureOne.
For additional options, check out our full list of best cards for United Airlines flyers and best no-annual-fee airline cards.
Related: Best airline credit cards with annual fees under $100
Is the United Gateway Card worth it?
Since the United Gateway Card doesn't carry an annual fee, you'll receive a positive with the welcome bonus value, perks and ongoing earnings you'll get with this card. However, keep in mind that this card will take up one of your Chase 5/24 slots, so think about how this card fits into your long-term strategy before jumping on it.
Related: The best ways to use your Chase 5/24 slots
Bottom line
If you're considering diversifying your miles portfolio with a United credit card, the Gateway might be a great way to start with the MileagePlus program. As you plan your upcoming trips, this card is certainly worth considering if you are a travel beginner who wants to earn United miles on everyday purchases.
Apply here: United Gateway Card with 30,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open.
For rates and fees of the Delta SkyMiles Blue Card, click here.