The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Limited-Time Offer
Earn up to 50,000 miles
Earn 40,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.
1 - 5X miles
$0
19.74% - 28.24% Variable
Good Credit, Excellent Credit
This is the most basic of United’s credit cards, with no annual fee, but you can still accrue miles fast thanks to its welcome offer, and earning rates of 2x on eligible United purchases, gas stations and local transits and commuting. It’s also a good choice for international travel thanks to the fact that it waives foreign transaction fees. (Partner offer)
Read the full reviewIf you’re just getting into the United ecosystem or with airline miles in general, the United Gateway card might be a great choice for you. It does not charge an annual fee, so you don’t have to worry about squeezing tons of value from it year after year, and you can still use it to earn extra miles on both United flights and everyday purchases.
This card earns 2 miles per dollar spent on eligible United purchases, at gas stations and on local transit and commuting — including taxis, ride-hailing services, train tickets, tolls and mass transit. It also earns 1 mile per dollar spent on all other purchases.
Rewards Rates
Intro Offer
Limited-Time Offer
Earn up to 50,000 miles
Earn 40,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.
Introductory Purchases APR
0% Intro APR on Purchases for 12 months
Ongoing Purchases APR
19.74% - 28.24% Variable
Ongoing Balance Transfer APR
19.74% - 28.24% Variable
Ongoing Cash Advance APR
28.49% Variable
Ongoing Penalty APR
Up to 29.99%
Annual Fee
$0
Recommended Credit
Good Credit, Excellent Credit
More Details
Good Credit, Excellent Credit
More Details