United Gateway℠ Card
Chase travel card, a premium travel card that offers a flexible rewards program. You can redeem your points for bonus travel rewards and dining.
Card Summary
The United Gateway Card, a credit card with no annual fee that is available to frequent United Airlines flyers, earns bonus mileage on purchases made by United Airlines.
The robust rewards program includes 2 miles for every dollar spent on United Airlines, local transit, commuting, gas station, or other eligible purchases. After you have spent $1,000 in your first three months of opening an account, cardholders will be eligible for a 20,000 mile introductory bonus. Additional perks include 25% off United In-Flight Purchases, an Auto Rental Collision Damage Waiver, Trip Cancellation or Interrupt Insurance, and concierge services.
Review of the United Gateway Card:
The card gives you bonus miles for flying on United Airlines.
There is no annual fee, and you only need to meet a very low sign-up requirement in order to receive the reward.
The pros
Reward categories:
The card can earn 2 miles for every $1 spent at gas stations, on United Airlines and local transportation and commuting.
There is no foreign transaction fee and there's no annual fee.
It's also a great choice for international travelers because they don't charge any fees to make transactions abroad.
Card Summary - Cons
Cardholders will not receive any airline-specific benefits.
This card does offer a 25% discount for eligible United In-Flight Purchases, but it doesn't have the same perks as other airline credit cards like priority boarding or access to airport lounges.
There is no 0% APR Promotion: The United Gateway Card does not offer a promotional annual percentage rate of 0% on balance transfers or purchases.
Rates and fees
Highlights
Get 20,000 Bonus Miles.
There is no annual charge.
Spend $1 on United Purchases, gas stations and local transit and commuting to earn 2 miles.
Earn 2 miles per $1 spent on United purchases spend $1 on local transportation and commuter services to earn 2 miles.
All other purchases earn 1 mile for every $1.
Comparative Analysis with Other Cards
United Gateway Card or Capital One Venture One Rewards Card?
Annual fees: There are no annual fees for both cards.
Reward: The United Gateway Card earns 2 miles for every dollar spent on United Airlines, local transit, commuting, gas station, and other eligible purchases. Capital One Venture One Rewards Credit Card offers 1.25 miles for every dollar spent on eligible purchases.
Sign up bonus: After you have spent $1,000 in your first three months of account opening, the United Gateway Card will offer a 20,000 mile introductory bonus. Capital One Venture One Rewards Credit card holders will earn 20,000 miles if they spend $500 within the first 3 months of account opening. This is equal to $200 for travel.
Benefits: The United Gateway Card offers a trip cancellation and interruption coverage, auto rental collision damage waiver, purchase protection, extended warranty coverage, as well as trip cancellation and disruption coverage. The Capital One Venture One Rewards Credit Card gives you access to emergency services and fraud protection.
United Gateway Card and American Airlines MileUp Card
Annual fees: There is no annual fee for the card.
Reward: United Gateway Card Holders earn 2 miles per $1 on United Airlines, local transit, commuting, gas station, and other eligible purchases. American Airlines AAdvantage Mile Up Card earns 2 miles per $1 on purchases at grocery stores (including delivery) as well as on purchases made by eligible American Airlines. All other purchases will get 1 mile per $1.
Sign-up bonus: New United Gateway Card Holders receive a 20,000 mile sign-up bonus after they spend $1,000 in purchases within the first three months of opening their account. American Airlines AAdvantage MilevUp Card gives 10,000 miles if you spend $500 within 3 months.
Benefits: The United Gateway Card offers you a 25 percent discount on United In-Flight Purchases, an Auto Rental Collision Damage Waiver, Trip Cancellation or Interrupt Coverage, and Extended Warranty coverage. American Airlines' AAdvantage MileUp card benefits include 25% off on all in-flight meals and beverages.
Conclusion
Do You Need the United Gateway Card?
If you are:
Fly regularly with United Airlines.
You prefer to not pay an annual fee.
It is common to travel abroad.
Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.
