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United Gatewayâ„ Card review
Earn miles on flights and day-to-day travel and redeem on your next trip.
- Get this card if you want solid rewards for no annual fee.
- Pick something else if you want luxury travel perks.
- Apply with a good to excellent credit score of 670 or higher.
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20,000
Miles as welcome offer
Up to 2x
Miles
$0
Annual fee
0%
Intro purchase APR
for the first 12 months (then 18.74% to 25.74% variable)
Details
| Annual fee | $0 |
|---|---|
| Welcome offer | Earn 20,000 bonus miles after spending $1,000 in the first 3 months. |
| Rewards | 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. 1 mile per $1 spent on all other purchases. |
| Purchase APR | 0% intro for the first 12 months (then 18.74% to 25.74% variable) |
| Balance transfer APR | 18.74% to 25.74% variable |
| Minimum Credit Score | 670 |
| Issuer | Visa |
Review by
Kevin Joey Chen
kevin.chen@findercrew.comKevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com.
Expert review
The United Gatewayâ„ Card is the newest United card from Chase, replacing the old discontinued United TravelBank Card. Like the TravelBank, this card is rather simple. It earns 2x miles on United purchases, gas, and travel, earns 25% back on inflight United purchases, comes with a 20,000 bonus point welcome offer after you spend $1,000 in your first 3 months and offers trip cancellation and interruption insurance for no annual fee.
The biggest change moving from the TravelBank to the Gateway is in the rewards. The new Gateway earns 2x miles for every $1 spent on United purchases, plus gas, local travel and commuting as well, while earning 1x miles on everything else. The old version of the card earned 2% cash back on United purchases, but 1.5% back on everything else.
Also new to the card as of 2022 is a 0% Intro APR on purchases for 12 months. This is a much appreciated addition to the card and can help you rack up some miles and save on interest during that intro period.
The card remains a relatively no-frills affair, useful for occasional United travelers but likely lacking for those traveling on a more frequent basis. The bigger focus on travel-related earning is a useful and interesting trait however, which could help this card shine compared to the old version.
How to apply for the United Gatewayâ„ Card
Like other Chase cards, applying for the United Gatewayâ„ Card is simple. Learn more about how to apply for United Gatewayâ„ Card.
United Gatewayâ„ Card benefits
- Rewards. Earn 2x miles per $1 spent on United purchases, gas stations, and local transit and commuting. Earn 1x miles on everything else.
- Signup bonus. Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
- Intro APR on purchases. This card comes with a 0% Intro APR on purchases for 12 months, reverting to 18.74% to 25.74% variable afterward.
- Earn 25% back on in-flight purchases. When you use your card to buy food, beverages or Wi-Fi on eligible United and United-operated flights, you’ll receive 25% of each purchase amount back in the form of statement credit.
- No Annual fee. You won’t pay an annual fee to use this card.
- No foreign transaction fees. You won’t incur fees when you use this card with merchants abroad or on foreign websites.
- Auto rental collision damage waiver. Chase will provider coverage in the event of theft and collision damage when you decline the rental company’s insurance and charge the entire cost of the rental to your card.
- Trip cancellation and interruption insurance. If your trip gets canceled or interrupted early for an eligible reason, you’ll be reimbursed up to $1,500 per person and $6,000 per trip.
- Purchase protection. You’ll get 120 days of coverage for theft and damage up to $500 per claim and $50,000 per account.
- Visa concierge service. The United Gatewayâ„ Card comes with 24/7 Visa concierge service. You can use this service to help you book travel, perform research, reserve a dining spot, and more.
- Get one-year complimentary DashPass. A membership for both DoorDash and Caviar, DashPass provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
United Gatewayâ„ Card drawbacks
- Limited United features. Other United cards offer additional perks like free checked baggage and priority boarding.
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Bottom line
Find high-value United perks with the other United cards that Chase offers. But this one fits the bill for a simple, no-frills credit card that earns United rewards.
For travel perks that can be redeemed with a variety of carriers, consider a general travel credit card.
What’s changed with the United Gateway℠Card
| 01/27/2022 | Added: 0% Intro APR on purchases for 12 months, reverting to 16.49% to 23.49% variable afterward. | |
| 07/3/2021 | Old: | New: Welcome offer: Earn up to 15,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open. Plus, an additional 15,000 bonus miles after you spend $3,000 in the first six months. |