United Gateway Credit Card

By Raquel Oliveira • 03/10/2025

United Gateway Credit Card is Simple, affordable rewards for travelers.

The United Gateway Credit Card is an excellent choice for travelers who are looking for a straightforward and affordable way to earn rewards on their purchases. 

Whether you’re booking flights, dining out, or making everyday purchases, this card allows you to earn valuable miles that can be redeemed for flights, hotel stays, and more with United Airlines.

With 2 miles per dollar spent on United Airlines purchases, dining, and hotel stays, this card helps you rack up miles quickly.

One of the standout features of the United Gateway Credit Card is its low annual fee, making it an affordable option for anyone who wants to start earning rewards without paying high fees. 

Unique Feature of the United Gateway Credit Card

The unique feature of the United Gateway Credit Card is its ability to earn 2 miles per dollar on United Airlines purchases, dining, and hotel stays. 

This makes the card a fantastic option for those who spend a significant amount on travel-related expenses. Whether you’re booking a flight with United, dining at your favorite restaurant, or booking a hotel, you’ll earn extra miles for every dollar spent.

Pros and Cons

Pros:

• 2 miles per dollar on United purchases: Earn extra miles for every United Airlines flight or purchase.
• 2 miles per dollar on dining and hotel stays: Earn rewards on dining and hotel stays, two major spending categories for travelers.
• Low annual fee: Enjoy the card’s benefits without paying a high annual fee.
• Generous sign-up bonus: Get a head start on earning miles with a large bonus after meeting the spending requirement.
• Priority boarding on United flights: Enjoy a more comfortable travel experience with priority boarding.

Cons:

• Limited rewards outside dining, hotels, and United purchases: The card earns 1 mile per dollar on all other purchases, which is lower than other cards.
• No free checked bags or lounge access: Unlike other premium United cards, this card does not offer free checked bags or access to United’s airport lounges.
• Foreign transaction fees: The card charges a foreign transaction fee, which could be a disadvantage for international travelers.

How Do I Know If the United Gateway Card Is the Best Card for Me?

This card is a great option for individuals who love to travel and want to maximize mileage accumulation without an annual fee. If you frequently book flights, hotels, or rental cars, this card can provide significant rewards.

For those who prefer to avoid annual fees while still earning travel benefits, the United Gateway Card presents an excellent balance of cost and value. It allows users to earn miles on daily purchases without added financial burden.

Before applying, it’s important to assess your financial habits. If you frequently use a credit card for essential purchases and travel expenses, this card can help you accumulate rewards while maintaining financial flexibility.

However, if you do not travel often or prefer cashback rewards over miles, other credit cards may be a better fit. Evaluating your spending habits will help determine if this card aligns with your financial goals.

A Travel-Friendly Credit Card with Valuable Perks

The United Gateway Card is more than just a credit card—it’s a convenient tool for those who love to explore new destinations. It provides an easy way to earn miles on everyday purchases without any additional fees.

One of the biggest advantages is the ability to redeem miles for United flights. This allows users to save money on airfare while accumulating rewards for future trips, making travel more accessible and affordable.

Another appealing feature is the referral bonus program. By inviting friends to apply, cardholders can earn up to 100,000 miles per year, further enhancing the value of the card.

For those looking for a travel-focused credit card with no annual fee, the United Gateway Card is a smart choice. It offers a combination of rewards, flexibility, and valuable travel benefits that can enhance any travel experience.

Why do we like this card?

We like the United Gateway Credit Card because it offers a solid rewards rate for United purchases, dining, and hotel stays. The card’s low annual fee and generous sign-up bonus make it an affordable option for individuals who travel frequently with United Airlines.