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United Gateway℠ Card
Partner Offer

United Gateway℠ Card

Our rating:3.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
20,000 bonus milesEarn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
Reward Rates
2XEarn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
1XEarn 1 mile per $1 spent on all other purchases
Balance Transfers Intro APR
Purchases Intro APR
0% Intro APR on Purchases for 12 months
Regular APR
20.99% - 27.99% Variable
Annual Fee


  • Earn 20,000 bonus miles
  • No annual fee
  • Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
  • Earn 2 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent at gas stations, on local transit and commuting
  • Earn 1 mile per $1 spent on all other purchases
  • 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
  • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that 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.


  • Airline
  • Excellent Credit
    Excellent Credit
  • Good Credit
    Good Credit
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Rewards
  • Travel

Staff Review

Editor's Rating:

3.7 out of 5

Our take: Though it falls short of other United credit cards when it comes to perks and ongoing rewards value, the United Gateway Card could be a good fit for occasional travelers looking to avoid an annual fee.

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.