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No-annual-fee card that earns United miles: United Gateway Card review

Nov. 16, 2021
8 min read
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United Gateway Card overview

The United Gateway Card is a no-annual-fee airline credit card, ideal for those looking to dip their toes in the United MileagePlus program. Earning 2 miles per dollar on United, gas station and local transit and commuting purchases, both beginners or casual travelers can boost their stash of United miles with this card. Card Rating*: ⭐⭐⭐

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Editor’s note: This post has been updated with new information.

The best travel credit card for you doesn’t always have to be the fanciest one on the market or come with an annual fee. If you fly with United Airlines or its Star Alliance partners, owning this no-annual-fee card can be an easy way to earn and redeem award miles. The United Gateway Card comes with a solid set of bonus categories that extends beyond just United flights, which could help beginners rack up miles — even if they aren’t constantly in the air.

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Let’s take a look at the details of this credit card.


Official application link: United Gateway Card with 30,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases.


Who is this card for?

The United Gateway Card works well for points-and-miles beginners or infrequent travelers who live near a United hub. With no annual fee, you’re almost guaranteed to be in a net positive with this card. If you’re merely trying to earn and redeem MileagePlus miles for reward bookings, the Gateway card might be the right product for you.

If you’re hoping for more elite-like perks on United, you’ll probably want to consider the United Explorer Card, the United Club Infinite Card or perhaps the United Quest Card instead. Although these cards all charge annual fees, you’ll enjoy different perks with each card such as a free checked bag, or 5,000-mile award redemption discount or perhaps access to United Club lounges that may better suit what you’re looking for.

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However, with the Gateway Card, you’ll still enjoy 25% back on inflight purchases and trip cancellation/interruption insurance.

Something else to keep in mind is that this is a Chase-issued credit card, meaning that it adheres to the 5/24 rule. If you’ve added five or more credit cards to your wallet in the past two years, you almost certainly won’t be approved for the United Gateway Card. Additionally, this card will count toward your 5/24 slots.

If you’re planning on applying for other Chase credit cards soon, make sure this card is truly worth taking up one of those slots — especially considering the rest of Chase’s rockstar credit card lineup that includes both entry-level favorites such as the Chase Freedom Unlimited and luxury travel cards like the Chase Sapphire Reserve.

Related: Yes, I have 19 credit cards; here’s why

Sign-up bonus: As much as $363 in value

(Photo by John Gribben for The Points Guy)

With the current welcome bonus for the United Gateway card, you’ll earn 30,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Since we value United miles at 1.21 cents each, the sign-up bonus is worth $363.

Although not the most impressive sign-up bonus we’ve seen offered on a card, it’s on par with other no-annual-fee airline credit cards. Depending on how you use these miles, you could potentially outsize the stated value of the sign-up bonus.

How to earn miles

The Gateway Card offers a decent number of earning categories, from United purchases to everyday expenses:

  • 2x miles on United purchases
  • 2x miles at gas stations
  • 2x miles on local transit and commuting, including ride-hailing services, taxis, train tickets, tolls and mass transit
  • 1x miles on other eligible purchases

Since TPG valuations put United miles at 1.21 cents each, you’re looking at a 2.42% return on the 2x categories. For a no-annual-fee credit card, that’s a respectable list of bonus categories.

How to redeem miles

Use the miles earned on the United Gateway Card to book a Polaris business class seat. (Photo by David Slotnick/The Points Guy)

MileagePlus miles no longer expire, so you can rest assure that you’ll be able to use your rewards soon or even in the distant future if you aren’t traveling again quite yet.

United is part of Star Alliance, the largest airline alliance in the world. This means you can use your hard-earned MileagePlus miles to book partner airlines through United’s website, such as Air Canada and Lufthansa. There’s no shortage of destinations you can travel to with United miles.

Beyond using your miles for reward flights, you also have the option to use them for gift cards, merchandise, other travel bookings and more. However, we generally don’t recommend these other redemption options as you likely won’t get as much value.

Related: How to get maximum value from the United MileagePlus program

Perks

While you’re not going to get United’s top-notch premium perks with the Gateway card, there are still some considerable benefits for a no-annual-fee travel card:

Which cards compete with the United Gateway Card?

If you’re not particularly loyal to United Airlines, you have several options for other no-annual-fee travel cards. You can look for options with other airlines or a general travel card that offers flexibility for those that are brand-agnostic.

Among the competitors, the no-annual-fee (see rates and fees) Delta SkyMiles® Blue American Express Card lets you earn 2x miles on Delta and dining purchases at restaurants and 1x on everything else. There’s a lower welcome offer, but it’s slightly easier to achieve: Earn 10,000 bonus miles after spending $1,000 on purchases in your first six months of card membership.

Most airlines offer their own version of a no-annual-fee card, so it’ll boil down to which loyalty program you want to accrue your miles with.

(Photo by Wyatt Smith/The Points Guy)

If you decide that you don’t want to earn miles with just one airline, consider opening a general travel card with no annual fee instead.

The no-annual-fee Capital One VentureOne Rewards Credit Card offers a simple, yet practical rewards rate: 1.25x miles per dollar on all purchases. You can then transfer your miles to Capital One’s airline and hotel transfer partners or redeem your miles at 1 cent each for any travel purchases on your statement.

Of course, if you’re willing to pay a $95 annual fee (waived the first year), applying for the United Explorer Card might make sense for some travelers. On top of a larger welcome bonus, you’ll get up to a $100 credit for your Global Entry or TSA Precheck application and a free checked bag for you and one companion traveling on the same reservation and two, one-time United Club passes each year. Even if you only fly United a couple of times per year, the checked bag benefit alone can make the annual fee worth it.

Bottom line

If you’ve been considering diversifying your miles portfolio with a United credit card, the Gateway might be a great way to get started with the MileagePlus program. As we all start looking ahead to planning trips later this year, this new card is certainly worth considering if you are a travel beginner who wants to earn United miles on everyday purchases.

Official application link: United Gateway Card with 30,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open. Plus, 0% intro APR for the first 12 months from account opening on purchases.

Additional reporting by Stella Shon.

For rates and fees of the Delta SkyMiles Blue Card, please click here.

Featured image by (Photo by John Gribben for The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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TPG featured card

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TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 5X points
5XGet 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5XEarn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1X1X points for each dollar you spend on eligible purchases.

Intro offer

Earn 150,000 points120,000 points
The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.

Annual Fee

$695

Recommended Credit

670-850
Good, 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.

Why We Chose It

It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners.

Pros

  • An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection
  • Extended warranty protection
  • International Airline Program and Cruise Privileges Program

Cons

  • Steep annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high-bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
Apply for The Business Platinum Card® from American Express
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TPG Exclusive Offer
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TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

5XGet 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5XEarn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1X1X points for each dollar you spend on eligible purchases.
  • Intro Offer
    The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.

    Earn 150,000 points
    120,000 points
  • Annual Fee

    $695
  • Recommended Credit
    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.

    670-850
    Good, Excellent

Why We Chose It

It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners.

Pros

  • An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection
  • Extended warranty protection
  • International Airline Program and Cruise Privileges Program

Cons

  • Steep annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high-bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.