United Gateway(SM) Credit Card
Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.
The United Gateway℠ 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.
Our Rating
4.2/5.0
Welcome Offer
Earn 20,000 bonus miles
Annual Fee
$0
0% on Purchases
12 months
Reward Rate
1x – 2x Miles
0% on Balance Transfers
N/A
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
| 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 |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | $0 |
| Regular APR | 21.99% - 28.99% (V) APR |
| Purchases | 0% Intro APR for 12 months on purchases, then 21.99% - 28.99% (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 numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 752
Average Approved Credit Score: 779
| 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 |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Earns Chase Ultimate Rewards points
- Requires good credit
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