• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
Credit Card and banking reviews

AllCards.com

Credit Cards, Banking, and Cash Back

  • Best Credit Cards
    • Best Overall Credit Cards
    • Interest Free Credit Cards
    • Balance Transfer Credit Cards
    • Secured Credit Cards
    • Student Credit Cards
    • Metal Credit Cards
  • Cash Back Credit Cards
    • Credit Card Signup Bonuses
    • Best Business Credit Card Signup Bonuses
    • Groceries
    • Streaming Services
  • Credit Cards by FICO Score
    • 500 – 600
    • 600 – 650
    • 650 – 700
    • 700 to 750
  • Banking
    • Best Interest Rates
    • Savings Accounts
    • Money Market Accounts
    • Free Checking Accounts
    • High Yield Checking Accounts
    • Business Checking Accounts
    • Bank Accounts for Kids & Teens
    • Best Online Banks
    • Best Bank Bonuses
  • Bank CD Rates
    • No-Penalty CD Rates
    • 3-Month CD Rates
    • 6-Month CD Rates
    • 1-Year CD Rates
    • 18-Month CD Rates
    • 2-Year CD Rates
    • 3-Year CD Rates
    • 4-Year CD Rates
    • 5-Year CD Rates
  • Calculators
    • Emergency Fund Calculator
    • CD Interest Calculator
    • Savings Calculator
    • Credit Card Payoff Calculator
    • Debt Payoff Calculator
    • Loan Payment Calculator
You are here: Home / Credit Cards / United Gateway Card

United Gateway Card

August 18, 2022 by Gail Kellner

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

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.

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

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

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR20.74% - 27.74% (V) APR

0% Intro APR

Purchases0% 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 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

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

Related Articles

Primary Sidebar

Advertiser Disclosure

AllCards has partnered with CardRatings for our coverage of credit card products. AllCards and CardRatings may receive a commission from card issuers.

Featured High Yield Bank Accounts

27-month CD via SaveBetter
APY: 5.00%
14-month No Penalty CD via SaveBetter
APY: 4.40%

High Rate Savings
APY: 4.21%

 

Credit Cards by Category

  • Balance Transfer
  • 0% APR Cards
  • Cash Back
  • Travel
  • Miles
  • Business
  • Gas Rewards
  • Supermarket Credit Cards
  • Secured Credit Cards
  • Student Credit Cards
  • Prepaid Debit Cards

Credit Cards by Credit Score

  • 700 – 749
  • 650 – 700
  • 600 – 650
  • Under 600

Banking

  • Best Online Banks
  • Best Online Savings Accounts
  • Best CD Rates
  • Best Checking Accounts

Credit Cards by Issuer

  • American Express
  • Capital One
  • Chase
  • Citibank
  • U.S. Bank
  • Wells Fargo

About Allcards.com

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.

  • Best Credit Cards of 2022
  • 0% Credit Cards
  • Best Cash Back Credit Cards
  • Best Travel Rewards Credit Cards
  • Credit Cards with Signup Bonuses
  • About
  • Contact
  • Privacy Policy
  • Terms of Use
  • RSS Feed

© 2022 A.R. Roberts LLC All Rights Reserved

Advertising Disclosure: allCards.com is an independent, advertising-supported blog offering financial product comparisons. We are compensated when users click links to or apply for sponsored financial products including, but not limited to, credit cards or bank/brokerage accounts. Credit card reviews and listings express the opinions of the author alone, and not those of any credit card issuer. The content has not been reviewed, approved or otherwise endorsed by the credit card advertisers. This compensation may impact how or where links appear on this site. This site does not include all available financial companies or offers.

Banking Content Disclosure: Content is not provided or commissioned by the bank advertiser(s). Opinions expressed here are author's alone, not those of the bank advertiser(s), and have not been reviewed, approved or otherwise endorsed by the bank advertiser(s). This site may be compensated through the bank advertiser(s) Affiliate Program(s).