{"id":120446,"date":"2026-06-07T18:10:02","date_gmt":"2026-06-07T18:10:02","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=120446"},"modified":"2026-06-09T03:26:28","modified_gmt":"2026-06-09T03:26:28","slug":"united-gateway-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/united-mileageplus\/united-gateway-card\/","title":{"rendered":"The United Gateway\u2120 Card Review: Earn MileagePlus Miles Without Paying an Annual Fee"},"content":{"rendered":"<p>The <a data-ccid=\"4048226\" href=\"\/blog\/link\/UnitedGatewayCard\" rel=\"noopener nofollow sponsored\">United Gateway\u2120 Card<\/a> (<a data-ccid=\"4048226\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005123&type=3&u1=e9c939449a3a23bf56fc2835a34f531a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) allows travelers to collect <a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/\" rel=\"noopener\">United MileagePlus<\/a> miles without paying an annual fee. While this card doesn't offer as many benefits as some of the other United cards that do carry an annual fee, it punches above its weight by offering a variety of perks &#8212; including statement credits for in-flight purchases, access to mileage pooling, and more.<\/p>\n<p>Here's what you need to know about the United Gateway Card to help you decide if it fits your wallet.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048226\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">United Gateway\u2120 Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/524103d4-41de-41d9-8571-5cde06ce4bab.png\" width=\"150\" alt=\"United Gateway\u2120 Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='United Gateway\u2120 Card' data-ccid=\"4048226\" href=\"\/blog\/link\/UnitedGatewayCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048226\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005123&type=3&u1=e9c939449a3a23bf56fc2835a34f531a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn up to 40,000 bonus miles after qualifying activities. Plus, get a 0% intro APR for 12 months from account opening on purchases (then, a Variable APR of 19.74% - 28.24% will apply)<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">United Gateway\u2120 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn up to 40,000 bonus miles after qualifying activities. Plus, get a 0% intro APR for 12 months from account opening on purchases (then, a Variable APR of 19.74% - 28.24% will apply)<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The United Gateway\u2120 Card is the entry-level United card, offering 2X miles on United purchases (5X total miles on eligible United flights), gas stations, and local transit and commuting, including rideshare. Additionally, it provides 25% back as a statement credit on inflight and Club premium drink purchases with United. This card has no annual fee and no foreign transaction fees, enhancing its value for international travel. Other notable features include Auto Rental Collision Damage Waiver, and Trip Cancellation\/Interruption Insurance.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn up to 40,000 bonus miles<\/li><li>0% intro APR for the first 12 months from account opening on purchases & no annual fee.<\/li><li>5x total miles on eligible United flights and 2x miles on all other eligible United&#xAE; purchases<\/li><li>2x miles at gas stations, on local transit and commuting<\/li><li>1x mile on all other purchases<\/li><li>25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card<\/li><li>Earn 2 checked bags after you spend $10,000 in a calendar year<\/li><li>NEW! Save 10% or more on flights booked with miles after spending $10,000 in a calendar year<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2X miles per $1 spent on United<sup>\u00ae<\/sup> purchases*<\/li>\r\n<li>2X miles per $1 spent at gas stations, on local transit and commuting<\/li>\r\n<li>1 mile per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n*5X total miles on eligible United flights<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/UnitedGateway\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-6-99bcb49f5#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#United_Gateway_Card_Pros\">United Gateway Card Pros<\/a><\/li><li><a href=\"#United_Gateway_Card_Cons\">United Gateway Card Cons<\/a><\/li><li><a href=\"#United_Gateway_Card_Welcome_Bonus\">United Gateway Card Welcome Bonus<\/a><\/li><li><a href=\"#United_Gateway_Card_Benefits\">United Gateway Card Benefits<\/a><ul><li><a href=\"#Spend_to_earn_2_free_checked_bag_certificates\">Spend to earn 2 free checked bag certificates<\/a><\/li><li><a href=\"#Unlock_expanded_MileagePlus_award_availability_and_discounts\">Unlock expanded MileagePlus award availability and discounts<\/a><\/li><li><a href=\"#25_back_on_United_in-flight_and_Club_premium_drink_purchases\">25% back on United in-flight and Club premium drink purchases<\/a><\/li><li><a href=\"#Travel_and_purchase_protections\">Travel and purchase protections<\/a><\/li><li><a href=\"#Additional_benefits\">Additional benefits<\/a><\/li><\/ul><\/li><li><a href=\"#United_Gateway_Card_Earning_Rates\">United Gateway Card Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Miles_With_the_United_Gateway_Card\">Redeeming Miles With the United Gateway Card<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_that_Compete_With_the_United_Gateway_Card\">Cards that Compete With the United Gateway Card<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"United_Gateway_Card_Pros\">United Gateway Card Pros<\/span><\/h2>\n<ul>\n<li>$0 annual fee.<\/li>\n<li>Reasonable earning categories for United purchases and everyday spending.<\/li>\n<li>Ability to unlock discounts on United award tickets.<\/li>\n<li>No foreign transaction fees.<\/li>\n<\/ul>\n<h2><span id=\"United_Gateway_Card_Cons\">United Gateway Card Cons<\/span><\/h2>\n<ul>\n<li>Subject to Chase's 5\/24 rule.<\/li>\n<li>United doesn't have an award chart with fixed prices, so mileage redemption rates can change at any time.<\/li>\n<li>Unlock two free checked bag certificates after spending $10,000 on your card within a calendar year.<\/li>\n<\/ul>\n<h2><span id=\"United_Gateway_Card_Welcome_Bonus\">United Gateway Card Welcome Bonus<\/span><\/h2>\n<p>Despite charging no annual fee, the <a data-ccid=\"4048226\" href=\"\/blog\/link\/UnitedGatewayCard\" rel=\"noopener nofollow sponsored\">United Gateway Card<\/a> does offer a welcome bonus. As a new applicant for the card, you can score up to 40,000 bonus miles - 30,000 miles after you spend $1,000 on purchases in the first 3 months your account is open, and an additional 10,000 miles when you add an authorized user in the first 90 days. Plus, 0% intro APR for 12 months from account opening on purchases (then, a Variable APR of 19.74% - 28.24% will apply).<\/p>\n<p>With rare exceptions, offers on the United Gateway Card <a target=\"_blank\" href=\"\/credit-cards\/chase-credit-card-offer-history\/\" rel=\"noopener\">oscillate between 20,000 and 30,000 bonus miles<\/a>. To put the bonus miles into context, <a target=\"_blank\" href=\"\/point-mile-values\/United\" rel=\"noopener\">AwardWallet users generally redeem United miles for 2.02\u00a2 apiece<\/a>.<\/p>\n<figure id=\"attachment_189719\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-189719 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/United-Plane-Featured-Forsaken-Films-Unsplash.png\" alt=\"United e175 landing.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/United-Plane-Featured-Forsaken-Films-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/United-Plane-Featured-Forsaken-Films-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/United-Plane-Featured-Forsaken-Films-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/United-Plane-Featured-Forsaken-Films-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Forsaken Films\/Unsplash<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">The Best Credit Card Offers This Month<\/a><\/strong><\/p>\n<h2><span id=\"United_Gateway_Card_Benefits\">United Gateway Card Benefits<\/span><\/h2>\n<p>Despite having no annual fee, this card offers benefits that can enhance your United travel, even if you fly the airline only a couple of times per year.<\/p>\n<h3><span id=\"Spend_to_earn_2_free_checked_bag_certificates\">Spend to earn 2 free checked bag certificates<\/span><\/h3>\n<p>One of the biggest drawbacks of the <a data-ccid=\"4048226\" href=\"\/blog\/link\/UnitedGatewayCard\" rel=\"noopener nofollow sponsored\">United Gateway Card<\/a> is that it does not offer an automatic free checked bag benefit \u2014 a staple perk of airline cards.<\/p>\n<p>However, you can now earn two free checked bags certificates after spending $10,000 on the card in a calendar year. These certificates can be used when adding checked bags on United and United Express flights. Although this is a nice perk, it is only helpful for the infrequent traveler.<\/p>\n<h3><span id=\"Unlock_expanded_MileagePlus_award_availability_and_discounts\">Unlock expanded MileagePlus award availability and discounts<\/span><\/h3>\n<p>Likewise, United Gateway Card holders can unlock preferential United award pricing and saver-level awards by spending $10,000 in a calendar year.<\/p>\n<p>This perk can be one of the most valuable benefits of the United co-branded credit cards, letting cardholders redeem their miles for saver awards that are not available to general United members. Likewise, cardholders can receive a 10% discount on award flights.<\/p>\n<p>For a detailed explanation, refer to our comprehensive guide on <a target=\"_blank\" href=\"\/credit-cards\/united-mileageplus\/united-credit-card-award-space\/\" rel=\"noopener\">United's award discount for cardmembers<\/a>.<\/p>\n<h3><span id=\"25_back_on_United_in-flight_and_Club_premium_drink_purchases\">25% back on United in-flight and Club premium drink purchases<\/span><\/h3>\n<p>When you use your United Gateway Card onboard United flights, you can receive 25% back as a statement credit on food, beverages, and Wi-Fi purchases. These savings also apply to premium drinks purchased at a United Club.<\/p>\n<h3><span id=\"Travel_and_purchase_protections\">Travel and purchase protections<\/span><\/h3>\n<p>The United Gateway Card also comes with a handful of travel and purchase protections, including:<\/p>\n<ul>\n<li><strong>Auto rental collision damage waiver<\/strong> &#8212; Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage includes theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.<\/li>\n<li><strong>Trip cancellation and interruption insurance<\/strong> \u2014 Get reimbursed for up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares if your trip is canceled or interrupted by a covered situation.<\/li>\n<li><strong>Purchase protection<\/strong> \u2014 Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.<\/li>\n<li><strong>Extended warranty protection<\/strong> \u2014 Extends the manufacturer's U.S. warranty period by an additional year.<\/li>\n<li><strong>Visa Concierge<\/strong> \u2014 Get complimentary Visa Signature Concierge Service 24 hours a day.<\/li>\n<\/ul>\n<p>For policy particulars, please refer to your card's Guide to Benefits.<\/p>\n<figure id=\"attachment_125948\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-125948 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CHUTTERSNAP-Unsplash-airport-passengers-featured.png\" alt=\"numerous passengers move through an airport with their luggage\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CHUTTERSNAP-Unsplash-airport-passengers-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CHUTTERSNAP-Unsplash-airport-passengers-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CHUTTERSNAP-Unsplash-airport-passengers-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CHUTTERSNAP-Unsplash-airport-passengers-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: CHUTTERSNAP\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"Additional_benefits\">Additional benefits<\/span><\/h3>\n<ul>\n<li><strong><a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/united-miles-pooling\/\" rel=\"noopener\">Mileage Pooling<\/a> \u2014 <\/strong>Merge miles with friends and family without any transfer fees.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/exclusive-events-experiences\/\" rel=\"noopener\">Event Access<\/a> \u2014<\/strong>\u00a0Cardmembers can attend invite-only events hosted by Chase and United.<\/li>\n<li><strong>No foreign transaction fees<\/strong> \u2014 Swipe this card abroad without paying foreign transaction fees.<\/li>\n<\/ul>\n<h2><span id=\"United_Gateway_Card_Earning_Rates\">United Gateway Card Earning Rates<\/span><\/h2>\n<p>The United Gateway Card has earning categories that align with other no-annual-fee airline credit cards. While not spectacular, you can still earn decently on United purchases, gas, and transit spending at the following rates:<\/p>\n<ul>\r\n<li>2X miles per $1 spent on United<sup>\u00ae<\/sup> purchases*<\/li>\r\n<li>2X miles per $1 spent at gas stations, on local transit and commuting<\/li>\r\n<li>1 mile per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n*5X total miles on eligible United flights\n<h2><span id=\"Redeeming_Miles_With_the_United_Gateway_Card\">Redeeming Miles With the United Gateway Card<\/span><\/h2>\n<p>Redeeming your stash of MileagePlus miles for award travel is a very easy process. As a member of <a target=\"_blank\" href=\"\/airlines\/airline-alliances-and-partnerships\/\" rel=\"noopener\">Star Alliance<\/a>, United allows you to use your miles for award flights on all alliance airlines, such as Singapore Airlines, Lufthansa, Air New Zealand, ANA, Air Canada, and SWISS.<\/p>\n<p>Although United awards may not always be the cheapest, the MileagePlus program remains a favorite due to its ease of use and the availability of <a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/best-way-to-use-united-miles\/\" rel=\"noopener\">valuable sweet spots<\/a>. Additionally, out-of-pocket taxes and fees are often much lower than what other programs charge.<\/p>\n<p>Or, if flights aren\u2019t your priority, you can use your miles for upgrades, seat and baggage fees, a United Club membership, or <a target=\"_blank\" href=\"\/news\/united-mileageplus\/mileageplus-experiences\/\" rel=\"noopener\">exclusive experiences<\/a>. While these redemptions may not provide the highest value for your miles, they are still helpful options to consider.<\/p>\n<figure id=\"attachment_189721\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-189721 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/United-Plane-Featured-Troy-Mortier-Unsplash.png\" alt=\"United 787 taking off.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/United-Plane-Featured-Troy-Mortier-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/United-Plane-Featured-Troy-Mortier-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/United-Plane-Featured-Troy-Mortier-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/United-Plane-Featured-Troy-Mortier-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Troy Mortier\/Unsplash<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/united-book-with-miles\/\" rel=\"noopener\">The Basics of Booking an Award Flight with United<\/a><\/strong><\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>On the application for the <a data-ccid=\"4048226\" href=\"\/blog\/link\/UnitedGatewayCard\" rel=\"noopener nofollow sponsored\">United Gateway Card<\/a>, you'll note this explicit language:<\/p>\n<blockquote><p><em>&#8220;This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months.&#8221;<\/em><\/p><\/blockquote>\n<p>This restriction refers to the United Gateway Card alone and won't preclude you from applying for and earning the welcome bonus of other Chase-issued United credit cards. However, if you have this card currently or earned a bonus on it in the past 24 months, you won't be eligible for this welcome offer.<\/p>\n<p>Additionally, United Gateway Card is also subject to <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">Chase's 5\/24 rule<\/a>. If you've opened five or more new credit card accounts with any bank in the past 24 months, you will likely not be approved for this card.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_that_Compete_With_the_United_Gateway_Card\">Cards that Compete With the United Gateway Card<\/span><\/h2>\n<p>If the <a data-ccid=\"4048226\" href=\"\/blog\/link\/UnitedGatewayCard\" rel=\"noopener nofollow sponsored\">United Gateway Card<\/a> doesn't align with your spending habits or you find yourself wanting more perks, consider these cards instead:<\/p>\n<ul>\n<li><strong>If you want a United Airlines credit card but need more perks,<\/strong> check out the <a data-ccid=\"4048117\" href=\"\/blog\/link\/UnitedExplorerCard\" rel=\"noopener nofollow sponsored\">United\u2120 Explorer Card<\/a>  (<a data-ccid=\"4048117\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005119&type=3&u1=402805be803965ff77cb5ff3ac0be72d&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). Cardholders can enjoy priority boarding privileges, collect two one-time United Club\u2120 passes each year, check a first bag for free, save 25% on inflight purchases and Club premium drinks, and leverage an up to $120 fee credit for Global Entry, TSA PreCheck<sup>\u00ae<\/sup>, or NEXUS every four years. And the best part? It has a $0 intro annual fee for the first year, then $150. <a target=\"_blank\" href=\"\/credit-cards\/united-mileageplus\/united-explorer-card\/\" rel=\"noopener\">Learn more about the United Explorer Card<\/a> in our full review.<\/li>\n<li><strong>If you want to earn points you can use with United and other airlines,<\/strong> look at the <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a>  (<a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=00b3a099ddb8ef58c8c895755777475cb&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). The Sapphire Preferred posts a $95 annual fee and is one of our favorite travel cards. You can earn up to 5X Ultimate Rewards points on purchases and transfer your points to 14 travel partners \u2014 including United. Learn more in our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\" rel=\"noopener\">full Sapphire Preferred review<\/a>.<\/li>\n<li><strong>If you're over 5\/24 and want a card that offers point transfers to United,<\/strong> consider <a data-ccid=\"260\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/\">Bilt Blue Card<\/a> (<a data-ccid=\"260\" href=\"https:\/\/legal.cardless.com\/schumer\/bilt\/rates_and_fees.pdf\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). This $0 annual fee card earns up to 1.25X points on rent and mortgage payments and 1X points + 4% back in Bilt Cash on everyday purchases. And you can transfer Bilt Points to United MileagePlus at a 1:1 ratio. <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bilt-rewards\/bilt-blue-card\/\" rel=\"noopener\">Learn more in our full Blue Card review<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-bilt\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/ff6d0beb-04a7-4cc5-9bf4-50bc3f5e5883.png\" alt=\"United\u2120 Explorer Card\" width=\"150\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">United\u2120 Explorer Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='United\u2120 Explorer Card' data-ccid=\"4048117\" data-exit=\"ccw\" href=\"\/blog\/link\/UnitedExplorerCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0 intro annual fee for the first year, then $150<span class=\"compare-terms\"><a data-ccid=\"4048117\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005119&type=3&u1=402805be803965ff77cb5ff3ac0be72d&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3X miles per $1 spent on purchases from United<sup>\u00ae<\/sup>*<\/li>\r\n<li>2X miles per $1 spent on dining and hotel stays when booked with the hotel<\/li>\r\n<li>1X mile per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n*9X total miles per $1 spent on eligible United<sup>\u00ae<\/sup> flights<\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" data-exit=\"ccw\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=00b3a099ddb8ef58c8c895755777475cb&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/10\/CardArt-BiltBlueCard.png\" width=\"150\" alt=\"Bilt Blue Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bilt Blue Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> $100 of Bilt Cash when you apply and get approved.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Bilt Blue Card' data-ccid=\"260\" data-exit=\"ccw\" href=\"\/blog\/link\/BiltBlueCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"260\" href=\"https:\/\/legal.cardless.com\/schumer\/bilt\/rates_and_fees.pdf\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.<\/li>\r\n<li>1X points on everyday spend<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/united-mileageplus\/united-credit-cards\/\" rel=\"noopener\">Which United Credit Card Is Right for You?<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>If you're seeking a co-branded airline card with solid travel and purchase protections, the <a data-ccid=\"4048226\" href=\"\/blog\/link\/UnitedGatewayCard\" rel=\"noopener nofollow sponsored\">United Gateway Card<\/a> might be a great addition to your wallet. For a no-annual-fee product, the perks on offer are decent, but the $10,000 spend to unlock most benefits may be a deterrent. However, if you're looking for a high welcome bonus, an automatic free checked bag perk, or more robust earning categories, consider different credit card options, as you won't find those useful perks here.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048226\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">United Gateway\u2120 Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/524103d4-41de-41d9-8571-5cde06ce4bab.png\" width=\"150\" alt=\"United Gateway\u2120 Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='United Gateway\u2120 Card' data-ccid=\"4048226\" href=\"\/blog\/link\/UnitedGatewayCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048226\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005123&type=3&u1=e9c939449a3a23bf56fc2835a34f531a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn up to 40,000 bonus miles after qualifying activities. Plus, get a 0% intro APR for 12 months from account opening on purchases (then, a Variable APR of 19.74% - 28.24% will apply)<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">United Gateway\u2120 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn up to 40,000 bonus miles after qualifying activities. Plus, get a 0% intro APR for 12 months from account opening on purchases (then, a Variable APR of 19.74% - 28.24% will apply)<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The United Gateway\u2120 Card is the entry-level United card, offering 2X miles on United purchases (5X total miles on eligible United flights), gas stations, and local transit and commuting, including rideshare. Additionally, it provides 25% back as a statement credit on inflight and Club premium drink purchases with United. This card has no annual fee and no foreign transaction fees, enhancing its value for international travel. Other notable features include Auto Rental Collision Damage Waiver, and Trip Cancellation\/Interruption Insurance.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn up to 40,000 bonus miles<\/li><li>0% intro APR for the first 12 months from account opening on purchases & no annual fee.<\/li><li>5x total miles on eligible United flights and 2x miles on all other eligible United&#xAE; purchases<\/li><li>2x miles at gas stations, on local transit and commuting<\/li><li>1x mile on all other purchases<\/li><li>25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card<\/li><li>Earn 2 checked bags after you spend $10,000 in a calendar year<\/li><li>NEW! Save 10% or more on flights booked with miles after spending $10,000 in a calendar year<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2X miles per $1 spent on United<sup>\u00ae<\/sup> purchases*<\/li>\r\n<li>2X miles per $1 spent at gas stations, on local transit and commuting<\/li>\r\n<li>1 mile per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n*5X total miles on eligible United flights<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/UnitedGateway\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-6-99bcb49f5#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The United Gateway\u2120 Card allows travelers to collect MileagePlus miles without paying an annual fee. While the card doesn&#8217;t automatically offer as many benefits as some of the other United cards, it punches above its weight by offering a variety of perks including statement credits for in-flight purchases, mileage pooling, and more. Is it right for you?<\/p>\n","protected":false},"author":80,"featured_media":106466,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12786,12772],"coauthors":[36432,36466],"class_list":["post-120446","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-chase","tag-united-mileageplus"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/120446","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=120446"}],"version-history":[{"count":42,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/120446\/revisions"}],"predecessor-version":[{"id":265866,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/120446\/revisions\/265866"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/106466"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=120446"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=120446"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=120446"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=120446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}