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You are here: Home / Credit Cards / United Gateway Card

United Gateway Card

August 18, 2022 by Gail Kellner

The card_name is an entry-level airline card designed for those who want a few travel benefits but don’t want to pay an annual fee. It has a 0% APR on purchases for the first 12 months months. Plus the signup bonus is easily achievable for most people. We dive into the details and your approval odds in this United Gateway Card review.

United Gateway℠ Card
Learn More
Our Rating
4.2/5.0
Welcome Offer
Earn 20,000 bonus miles
Annual Fee
$0
0% on Purchases
12 Months
Rewards Rate
1x - 2x Miles
0% on Balance Transfers
None

Welcome Offer

Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

Features & Benefits

SecurityEMV Chip Enabled
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Trip Delay Reimbursement, Trip Cancellation Insurance

Rewards

2x miles
United Purchases
Earn 2 miles per $1 spent on United® purchases.
2x miles
Gas
Earn 2 miles per $1 spent at gas stations.
2x miles
Transit
Earn 2 miles per $1 spent on local transit and commuting.
1x miles
On all other purchases
Earn 1 mile per $1 spent on all other purchases.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee$0
Regular APR21.24% - 28.24% (V) APR
Purchases0% Intro APR for 12 months on purchases, then 21.24% - 28.24% (V) APR after that.

What Credit Score Is Required to Get the United Gateway℠ Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved05/11/2021
766
Equifax
$16,000
Approved04/06/2022
802
Equifax
$1,000
Approved04/06/2022
790
TransUnion
$1,000
Approved04/06/2022
805
Experian
$1,000
Approved05/11/2021
752
Experian
$15,969
Approved05/11/2021
756
TransUnion
$15,983
Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Earns Chase Ultimate Rewards points
Cons
  • Requires good credit

What Are the Best Alternatives?

Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Blue American Express Card

Rating

4.4

Rewards Range

1x - 2x Miles

Annual Fee

$0

Read Review
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card

Rating

4.5

Rewards Range

2x - 3x Points

Annual Fee

$99

Read Review
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Rating

4.5

Rewards Range

2x - 5x miles

Annual Fee

$95

Read Review

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Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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