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United Gateway℠ Card
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United Gateway℠ Card

Our rating:3.4 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

CreditCards.com 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
15,000 Bonus MilesEarn 15,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 3x on grocery store purchases up to $15k for the first year account is open.
Reward Rates
3XEarn 3x on grocery store purchases up to $15k for the first year account is open.
2XEarn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting
1XEarn 1 mile per $1 spent on all other purchases
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
$0

Highlights

  • Earn up to 15,000 bonus miles
  • No annual fee
  • Earn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting
  • Earn 2 miles per $1 spent on United Airlines purchases
  • Earn 2 miles per $1 spent at gas stations
  • Earn 2 miles per $1 spent on local transit and commuting
  • Earn 1 mile per $1 spent on all other purchases
  • Earn 3x on grocery store purchases up to $15k for the first year account is open.

Features

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

Staff Review

Editor's Rating:

3.4 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 CreditCards.com 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.