Rewards
2x miles
Earn 2 miles per $1 spent on United® purchases.
2x miles
Earn 2 miles per $1 spent at gas stations.
2x miles
Earn 2 miles per $1 spent on local transit and commuting.
1x miles
Earn 1 mile per $1 spent on all other purchases.
Signup Bonus
Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
Pros & Cons
Pros
- Welcome bonus
- No annual fee
- No foreign transaction fee
- Earns Chase Ultimate Rewards points
Cons
- Requires good credit
Features & Benefits
| Security | EMV Chip Enabled |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection |
| Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Trip Delay Reimbursement, Trip Cancellation Insurance |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 20.74% - 27.74% (V) APR |
0% Intro APR
| Purchases | 0% Intro APR for 12 months on purchases, then 20.74% - 27.74% (V) APR after that. |
What Credit Score Is Required to Get the United Gateway Card
Based on data we’ve collected from public forums, a credit score of 770 or higher is ideal. We have seen an approval with a score as low as 752, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 05/11/2021 | Equifax | ||
| Approved | 04/06/2022 | Equifax | ||
| Approved | 04/06/2022 | TransUnion | ||
| Approved | 04/06/2022 | Experian | ||
| Approved | 05/11/2021 | Experian | ||
| Approved | 05/11/2021 | TransUnion |
What Are the Best Alternatives?
Delta SkyMiles® Blue American Express Card
Rating
4.4
Rewards Range
1x - 2x Miles
Annual Fee
$0
Southwest Rapid Rewards® Premier Credit Card
Rating
4.5
Rewards Range
2x - 3x Points
Annual Fee
$99
Capital One Venture Rewards Credit Card
Rating
4.5
Rewards Range
2x - 5x miles
Annual Fee
$95