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United Gateway℠ 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 offerEarn 20,000 bonus miles after spending $1,000 in the first 3 months.
Rewards2 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 APR0% intro for the first 12 months (then 18.74% to 25.74% variable)
Balance transfer APR18.74% to 25.74% variable
Minimum Credit Score670
IssuerVisa
Avatar

Review by


Kevin 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 Gateway℠ 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 Gateway℠ Card

Like other Chase cards, applying for the United Gateway℠ Card is simple. Learn more about how to apply for United Gateway℠ Card.

United Gateway℠ 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 Gateway℠ 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 Gateway℠ Card drawbacks

  • Limited United features. Other United cards offer additional perks like free checked baggage and priority boarding.

Compare travel credit cards

Want a side-by-side look at the United Gateway℠ Card and other travel cards? Choose your credit score below and hit Show Cards to start comparing.

1 - 3 of 29
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

2x miles on every purchase, every day, 5x miles on hotels and rental cars booked through Capital One Travel, 5x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
$95
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5x miles on hotels and rental cars booked through Capital One Travel
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Alaska Airlines Visa® Business card
70,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) after you make $4,000 or more in purchases within the first 90 days of opening your account.
3 miles per $1 on eligible Alaska Airlines purchases and 1 miles per $1 on all other purchases
$50
Get 70,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) after you make $4,000 or more in purchases within the first 90 days of opening your account.
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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

01/27/2022Added: 0% Intro APR on purchases for 12 months, reverting to 16.49% to 23.49% variable afterward.
07/3/2021Old: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.

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