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Earn 30,000 miles and 2x on gas and transit with $0 annual fee
The United Gateway Card delivers 30,000 bonus miles after $1,000 spend in 3 months, worth $360 in United flights, with zero annual fee. Earn 2x miles on United purchases, gas stations, and local transit, plus 25% back on United inflight purchases and two free checked bags annually after $10,000 spend. With 0% intro APR for 12 months and no foreign transaction fees, this card provides $450+ in annual value for occasional United flyers.
$0
Annual Fee
30,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Good to Excellent
30,000
Airline
$1,000
Spend Required
3 months
Time Period
Earn 30,000 bonus United MileagePlus miles after spending $1,000 on purchases in the first 3 months from account opening. Add an authorized user within the first 3 months and earn an additional 10,000 bonus miles. Combined, these bonuses are worth $480 in United flights when redeemed at 1.2 cents per mile.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| United Purchases | 2X | Core | any | None | |
| Gas Stations | 2X | Core | any | None | |
| Ridesharing | 2X | Core | any | None | |
| Tolls | 2X | Core | any | None | |
| Transit | 2X | Core | any | None | |
| United Airlines | 2X | Core | any | None |
Earn 2 miles per dollar on all United Airlines purchases including flights, seat selection, baggage fees, and inflight purchases. MileagePlus miles are worth approximately 1.2 cents each when redeemed for United flights.
Book a $600 United flight and earn 1,200 miles worth $14.40. Over 4 flights annually totaling $2,400, earn 4,800 miles worth $58.
Earn 2 miles per dollar at all gas stations nationwide. With average national gas prices, this bonus category provides significant value for daily drivers.
Spend $200 monthly on gas to earn 400 miles per month, or 4,800 miles annually worth $58 in United flights.
Earn 2 miles per dollar on rideshares (Uber, Lyft), public transportation, tolls, and parking fees. This category covers everyday commuting expenses often overlooked by travel cards.
Spend $50 on Uber rides, $60 on public transit, and $40 on parking monthly. Earn 300 miles per month, or 3,600 miles annually worth $43.
Earn 1 mile per dollar on all other purchases including dining, groceries, and online shopping. While not accelerated, this ensures every purchase builds your MileagePlus balance.
Spend $1,000 monthly on non-bonus categories to earn 12,000 miles annually worth $144 in United flights.
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Earn 30,000 miles and 2x on gas and transit with $0 annual fee
The United Gateway Card delivers 30,000 bonus miles after $1,000 spend in 3 months, worth $360 in United flights, with zero annual fee. Earn 2x miles on United purchases, gas stations, and local transit, plus 25% back on United inflight purchases and two free checked bags annually after $10,000 spend. With 0% intro APR for 12 months and no foreign transaction fees, this card provides $450+ in annual value for occasional United flyers.
$0
Annual Fee
30,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Good to Excellent
30,000
Airline
$1,000
Spend Required
3 months
Time Period
Earn 30,000 bonus United MileagePlus miles after spending $1,000 on purchases in the first 3 months from account opening. Add an authorized user within the first 3 months and earn an additional 10,000 bonus miles. Combined, these bonuses are worth $480 in United flights when redeemed at 1.2 cents per mile.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| United Purchases | 2X | Core | any | None | |
| Gas Stations | 2X | Core | any | None | |
| Ridesharing | 2X | Core | any | None | |
| Tolls | 2X | Core | any | None | |
| Transit | 2X | Core | any | None | |
| United Airlines | 2X | Core | any | None |
Earn 2 miles per dollar on all United Airlines purchases including flights, seat selection, baggage fees, and inflight purchases. MileagePlus miles are worth approximately 1.2 cents each when redeemed for United flights.
Book a $600 United flight and earn 1,200 miles worth $14.40. Over 4 flights annually totaling $2,400, earn 4,800 miles worth $58.
Earn 2 miles per dollar at all gas stations nationwide. With average national gas prices, this bonus category provides significant value for daily drivers.
Spend $200 monthly on gas to earn 400 miles per month, or 4,800 miles annually worth $58 in United flights.
Earn 2 miles per dollar on rideshares (Uber, Lyft), public transportation, tolls, and parking fees. This category covers everyday commuting expenses often overlooked by travel cards.
Spend $50 on Uber rides, $60 on public transit, and $40 on parking monthly. Earn 300 miles per month, or 3,600 miles annually worth $43.
Earn 1 mile per dollar on all other purchases including dining, groceries, and online shopping. While not accelerated, this ensures every purchase builds your MileagePlus balance.
Spend $1,000 monthly on non-bonus categories to earn 12,000 miles annually worth $144 in United flights.
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Earn 30,000 miles and 2x on gas and transit with $0 annual fee
The United Gateway Card delivers 30,000 bonus miles after $1,000 spend in 3 months, worth $360 in United flights, with zero annual fee. Earn 2x miles on United purchases, gas stations, and local transit, plus 25% back on United inflight purchases and two free checked bags annually after $10,000 spend. With 0% intro APR for 12 months and no foreign transaction fees, this card provides $450+ in annual value for occasional United flyers.
$0
Annual Fee
30,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Good to Excellent
30,000
Airline
$1,000
Spend Required
3 months
Time Period
Earn 30,000 bonus United MileagePlus miles after spending $1,000 on purchases in the first 3 months from account opening. Add an authorized user within the first 3 months and earn an additional 10,000 bonus miles. Combined, these bonuses are worth $480 in United flights when redeemed at 1.2 cents per mile.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| United Purchases | 2X | Core | any | None | |
| Gas Stations | 2X | Core | any | None | |
| Ridesharing | 2X | Core | any | None | |
| Tolls | 2X | Core | any | None | |
| Transit | 2X | Core | any | None | |
| United Airlines | 2X | Core | any | None |
Earn 2 miles per dollar on all United Airlines purchases including flights, seat selection, baggage fees, and inflight purchases. MileagePlus miles are worth approximately 1.2 cents each when redeemed for United flights.
Book a $600 United flight and earn 1,200 miles worth $14.40. Over 4 flights annually totaling $2,400, earn 4,800 miles worth $58.
Earn 2 miles per dollar at all gas stations nationwide. With average national gas prices, this bonus category provides significant value for daily drivers.
Spend $200 monthly on gas to earn 400 miles per month, or 4,800 miles annually worth $58 in United flights.
Earn 2 miles per dollar on rideshares (Uber, Lyft), public transportation, tolls, and parking fees. This category covers everyday commuting expenses often overlooked by travel cards.
Spend $50 on Uber rides, $60 on public transit, and $40 on parking monthly. Earn 300 miles per month, or 3,600 miles annually worth $43.
Earn 1 mile per dollar on all other purchases including dining, groceries, and online shopping. While not accelerated, this ensures every purchase builds your MileagePlus balance.
Spend $1,000 monthly on non-bonus categories to earn 12,000 miles annually worth $144 in United flights.
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Total face value: $48
Estimated annual value: $110
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| 0% intro APR for 12 months on purchases | — | Dining | — | |
| 8% Booking.com credits | $8/Per stay | Travel | Per stay | |
| 25% United inflight | — | Airlines | — | |
| $10/mo Instacart+ | —/Monthly | Shopping | Monthly |
Combined Protection Value
$7,850
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
The United Gateway Card stands out from other no-fee airline cards by offering 2x miles on gas and transit in addition to airline purchases, while competitors like the Delta SkyMiles Blue typically offer 2x only on the airline. Compared to the United Explorer Card ($150 annual fee), Gateway sacrifices automatic free checked bags and United Club passes but eliminates the annual fee, making it ideal for occasional United flyers who spend under $10,000 annually.
The United Gateway Card’s lackluster sign-up bonus and minimal perks make it less appealing, even with no annual fee. More rewarding mid-range or business cards offer better value.
When you reach the point of considering a co-branded airline card, it may be tempting to pick one with no annual fee — especially if you already pay annual fees for several other cards. Although the United Gateway Card is the only United Airlines card without an annual fee, we still don’t recommend it. Its comparatively low sign-up bonus and lack of notable benefits make it a poor choice for one of your limited 5/24 slots. You’d be better served to apply for one of the midrange cards United offers.
The United Gateway Card is the airline’s sole **no annual fee** option. It provides a **30,000-mile sign-up bonus** after spending $1,000 in the first three months. You also get a range of spending multipliers:
- 7x miles on United flights
- 5x miles on United hotels
- 2x miles on eligible United purchases, plus gas stations, local transit, and commuting
- 1x mile on all other purchases
If you add an authorized user, you’ll earn a 5,000-mile bonus, and you receive 25% back on in-flight Club and premium drink purchases. The card also includes several travel and purchase protections, such as trip cancellation/interruption insurance (up to $6,000 per trip), auto rental coverage, and both purchase protection and extended warranty protection.
This card might not suit you in the following cases:
- If you fly United multiple times a year, you will get more value from any of the other United cards instead.
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
If you decide the Gateway card isn’t worth it, consider these two mid-range co-branded United Airlines cards instead:
- United Explorer Card: Waives its 150 annual fee the first year and offers two United Club passes per year—ideal if you fly United once or twice annually.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$28.80
Annual Fee
-$0
Net Annual Value
+$28.80
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Expert analysis from Ben Schlappig covering the United Gateway Card's positioning in the United card lineup. Evaluates the 30,000-mile bonus, 2x earning categories, checked bag benefit threshold, and compares against the United Explorer and Quest cards for different traveler types.
In-depth analysis of the United Gateway Card's value proposition for casual travelers. Evaluates the 30,000-mile bonus, 2x earning on United, gas, and transit, and compares the card against other no-fee airline options. Discusses the 0% intro APR benefit and Visa Signature perks.
Complete 2026 review covering updated benefits including the two free checked bags after $10,000 spend, 25% back on inflight purchases, and 2x miles on gas and transit. Breaks down the math on whether the $10,000 spending threshold for checked bags provides value compared to the United Explorer Card.
Comprehensive review covering the 30,000-mile welcome bonus, 2x earning categories including gas and transit, 25% back on inflight purchases, and the $10,000 spending threshold for free checked bags. Analyzes whether the card justifies its no annual fee positioning for occasional United flyers.
Bankrate's evaluation of the United Gateway Card covering the 30,000-mile welcome bonus, 2x earning on gas and transit, and the $10,000 threshold for checked bag certificates. Includes Bankrate's star rating and comparison with other no-fee airline cards.
Consumer-focused review analyzing the United Gateway Card's value for budget-conscious travelers. Covers the 30,000-mile welcome bonus, 2x miles on gas and transit, 25% back on inflight purchases, and the practical utility of the $10,000 checked bag threshold.
Objective evaluation of the United Gateway Card's rewards structure, welcome bonus, and benefits including purchase protection and extended warranty. Compares the card against other entry-level airline cards and provides recommendations for different traveler profiles.
Beginner-friendly review focusing on the card's no annual fee structure, 30,000-mile welcome bonus, and 2x earning on everyday categories like gas and transit. Discusses the 0% intro APR period and who should consider this as their first airline card.
Strategic review covering recent changes to the United Gateway Card including the addition of the checked bag benefit. Analyzes earning potential across the 2x categories, evaluates the 25% inflight discount, and provides spending scenarios to maximize value.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Total face value: $48
Estimated annual value: $110
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| 0% intro APR for 12 months on purchases | — | Dining | — | |
| 8% Booking.com credits | $8/Per stay | Travel | Per stay | |
| 25% United inflight | — | Airlines | — | |
| $10/mo Instacart+ | —/Monthly | Shopping | Monthly |
Combined Protection Value
$7,850
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
The United Gateway Card stands out from other no-fee airline cards by offering 2x miles on gas and transit in addition to airline purchases, while competitors like the Delta SkyMiles Blue typically offer 2x only on the airline. Compared to the United Explorer Card ($150 annual fee), Gateway sacrifices automatic free checked bags and United Club passes but eliminates the annual fee, making it ideal for occasional United flyers who spend under $10,000 annually.
The United Gateway Card’s lackluster sign-up bonus and minimal perks make it less appealing, even with no annual fee. More rewarding mid-range or business cards offer better value.
When you reach the point of considering a co-branded airline card, it may be tempting to pick one with no annual fee — especially if you already pay annual fees for several other cards. Although the United Gateway Card is the only United Airlines card without an annual fee, we still don’t recommend it. Its comparatively low sign-up bonus and lack of notable benefits make it a poor choice for one of your limited 5/24 slots. You’d be better served to apply for one of the midrange cards United offers.
The United Gateway Card is the airline’s sole **no annual fee** option. It provides a **30,000-mile sign-up bonus** after spending $1,000 in the first three months. You also get a range of spending multipliers:
- 7x miles on United flights
- 5x miles on United hotels
- 2x miles on eligible United purchases, plus gas stations, local transit, and commuting
- 1x mile on all other purchases
If you add an authorized user, you’ll earn a 5,000-mile bonus, and you receive 25% back on in-flight Club and premium drink purchases. The card also includes several travel and purchase protections, such as trip cancellation/interruption insurance (up to $6,000 per trip), auto rental coverage, and both purchase protection and extended warranty protection.
This card might not suit you in the following cases:
- If you fly United multiple times a year, you will get more value from any of the other United cards instead.
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
If you decide the Gateway card isn’t worth it, consider these two mid-range co-branded United Airlines cards instead:
- United Explorer Card: Waives its 150 annual fee the first year and offers two United Club passes per year—ideal if you fly United once or twice annually.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$28.80
Annual Fee
-$0
Net Annual Value
+$28.80
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Expert analysis from Ben Schlappig covering the United Gateway Card's positioning in the United card lineup. Evaluates the 30,000-mile bonus, 2x earning categories, checked bag benefit threshold, and compares against the United Explorer and Quest cards for different traveler types.
In-depth analysis of the United Gateway Card's value proposition for casual travelers. Evaluates the 30,000-mile bonus, 2x earning on United, gas, and transit, and compares the card against other no-fee airline options. Discusses the 0% intro APR benefit and Visa Signature perks.
Complete 2026 review covering updated benefits including the two free checked bags after $10,000 spend, 25% back on inflight purchases, and 2x miles on gas and transit. Breaks down the math on whether the $10,000 spending threshold for checked bags provides value compared to the United Explorer Card.
Comprehensive review covering the 30,000-mile welcome bonus, 2x earning categories including gas and transit, 25% back on inflight purchases, and the $10,000 spending threshold for free checked bags. Analyzes whether the card justifies its no annual fee positioning for occasional United flyers.
Bankrate's evaluation of the United Gateway Card covering the 30,000-mile welcome bonus, 2x earning on gas and transit, and the $10,000 threshold for checked bag certificates. Includes Bankrate's star rating and comparison with other no-fee airline cards.
Consumer-focused review analyzing the United Gateway Card's value for budget-conscious travelers. Covers the 30,000-mile welcome bonus, 2x miles on gas and transit, 25% back on inflight purchases, and the practical utility of the $10,000 checked bag threshold.
Objective evaluation of the United Gateway Card's rewards structure, welcome bonus, and benefits including purchase protection and extended warranty. Compares the card against other entry-level airline cards and provides recommendations for different traveler profiles.
Beginner-friendly review focusing on the card's no annual fee structure, 30,000-mile welcome bonus, and 2x earning on everyday categories like gas and transit. Discusses the 0% intro APR period and who should consider this as their first airline card.
Strategic review covering recent changes to the United Gateway Card including the addition of the checked bag benefit. Analyzes earning potential across the 2x categories, evaluates the 25% inflight discount, and provides spending scenarios to maximize value.
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Total face value: $48
Estimated annual value: $110
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| 0% intro APR for 12 months on purchases | — | Dining | — | |
| 8% Booking.com credits | $8/Per stay | Travel | Per stay | |
| 25% United inflight | — | Airlines | — | |
| $10/mo Instacart+ | —/Monthly | Shopping | Monthly |
Combined Protection Value
$7,850
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
The United Gateway Card stands out from other no-fee airline cards by offering 2x miles on gas and transit in addition to airline purchases, while competitors like the Delta SkyMiles Blue typically offer 2x only on the airline. Compared to the United Explorer Card ($150 annual fee), Gateway sacrifices automatic free checked bags and United Club passes but eliminates the annual fee, making it ideal for occasional United flyers who spend under $10,000 annually.
The United Gateway Card’s lackluster sign-up bonus and minimal perks make it less appealing, even with no annual fee. More rewarding mid-range or business cards offer better value.
When you reach the point of considering a co-branded airline card, it may be tempting to pick one with no annual fee — especially if you already pay annual fees for several other cards. Although the United Gateway Card is the only United Airlines card without an annual fee, we still don’t recommend it. Its comparatively low sign-up bonus and lack of notable benefits make it a poor choice for one of your limited 5/24 slots. You’d be better served to apply for one of the midrange cards United offers.
The United Gateway Card is the airline’s sole **no annual fee** option. It provides a **30,000-mile sign-up bonus** after spending $1,000 in the first three months. You also get a range of spending multipliers:
- 7x miles on United flights
- 5x miles on United hotels
- 2x miles on eligible United purchases, plus gas stations, local transit, and commuting
- 1x mile on all other purchases
If you add an authorized user, you’ll earn a 5,000-mile bonus, and you receive 25% back on in-flight Club and premium drink purchases. The card also includes several travel and purchase protections, such as trip cancellation/interruption insurance (up to $6,000 per trip), auto rental coverage, and both purchase protection and extended warranty protection.
This card might not suit you in the following cases:
- If you fly United multiple times a year, you will get more value from any of the other United cards instead.
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
If you decide the Gateway card isn’t worth it, consider these two mid-range co-branded United Airlines cards instead:
- United Explorer Card: Waives its 150 annual fee the first year and offers two United Club passes per year—ideal if you fly United once or twice annually.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$28.80
Annual Fee
-$0
Net Annual Value
+$28.80
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Expert analysis from Ben Schlappig covering the United Gateway Card's positioning in the United card lineup. Evaluates the 30,000-mile bonus, 2x earning categories, checked bag benefit threshold, and compares against the United Explorer and Quest cards for different traveler types.
In-depth analysis of the United Gateway Card's value proposition for casual travelers. Evaluates the 30,000-mile bonus, 2x earning on United, gas, and transit, and compares the card against other no-fee airline options. Discusses the 0% intro APR benefit and Visa Signature perks.
Complete 2026 review covering updated benefits including the two free checked bags after $10,000 spend, 25% back on inflight purchases, and 2x miles on gas and transit. Breaks down the math on whether the $10,000 spending threshold for checked bags provides value compared to the United Explorer Card.
Comprehensive review covering the 30,000-mile welcome bonus, 2x earning categories including gas and transit, 25% back on inflight purchases, and the $10,000 spending threshold for free checked bags. Analyzes whether the card justifies its no annual fee positioning for occasional United flyers.
Bankrate's evaluation of the United Gateway Card covering the 30,000-mile welcome bonus, 2x earning on gas and transit, and the $10,000 threshold for checked bag certificates. Includes Bankrate's star rating and comparison with other no-fee airline cards.
Consumer-focused review analyzing the United Gateway Card's value for budget-conscious travelers. Covers the 30,000-mile welcome bonus, 2x miles on gas and transit, 25% back on inflight purchases, and the practical utility of the $10,000 checked bag threshold.
Objective evaluation of the United Gateway Card's rewards structure, welcome bonus, and benefits including purchase protection and extended warranty. Compares the card against other entry-level airline cards and provides recommendations for different traveler profiles.
Beginner-friendly review focusing on the card's no annual fee structure, 30,000-mile welcome bonus, and 2x earning on everyday categories like gas and transit. Discusses the 0% intro APR period and who should consider this as their first airline card.
Strategic review covering recent changes to the United Gateway Card including the addition of the checked bag benefit. Analyzes earning potential across the 2x categories, evaluates the 25% inflight discount, and provides spending scenarios to maximize value.
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Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Get reimbursed up to $1,500 per person and $6,000 per trip for non-refundable travel expenses when trips are canceled for covered reasons.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get coverage for new purchases against damage or theft for 120 days after purchase, up to $500 per item.
Secondary collision coverage on car rentals up to 31 days. Personal auto insurance is primary.
Extends manufacturer's U.S. warranty by 1 year on eligible warranties of 3 years or less.
- United Quest Card: Has a $350 annual fee but provides a $200 United credit, making its effective fee closer to the Explorer card. It comes with two free checked bags and a variety of statement credits. Choose this if you value free checked bags over the lounge access included with the Explorer card.
The United Club Card is better for those who fly United multiple times per year and will use the included United Club membership (normally $750). It carries the highest annual fee at $695 but comes with various other perks that can make the cost worthwhile.
If you’re nearing your 5/24 limit and can qualify for a business card, there are two more United options:
- United Business Card: Offers a 75,000-mile welcome bonus, a $150 annual fee, two United Club passes per year, and your first checked bag free.
- United Club Business Card: Charges a $695 annual fee and offers a 80,000-mile sign-up bonus, along with a full United Club membership and multiple statement credits.
Overall, there are better choices than the Gateway Card if your goal is to maximize benefits and value.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Get reimbursed up to $1,500 per person and $6,000 per trip for non-refundable travel expenses when trips are canceled for covered reasons.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get coverage for new purchases against damage or theft for 120 days after purchase, up to $500 per item.
Secondary collision coverage on car rentals up to 31 days. Personal auto insurance is primary.
Extends manufacturer's U.S. warranty by 1 year on eligible warranties of 3 years or less.
- United Quest Card: Has a $350 annual fee but provides a $200 United credit, making its effective fee closer to the Explorer card. It comes with two free checked bags and a variety of statement credits. Choose this if you value free checked bags over the lounge access included with the Explorer card.
The United Club Card is better for those who fly United multiple times per year and will use the included United Club membership (normally $750). It carries the highest annual fee at $695 but comes with various other perks that can make the cost worthwhile.
If you’re nearing your 5/24 limit and can qualify for a business card, there are two more United options:
- United Business Card: Offers a 75,000-mile welcome bonus, a $150 annual fee, two United Club passes per year, and your first checked bag free.
- United Club Business Card: Charges a $695 annual fee and offers a 80,000-mile sign-up bonus, along with a full United Club membership and multiple statement credits.
Overall, there are better choices than the Gateway Card if your goal is to maximize benefits and value.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Get reimbursed up to $1,500 per person and $6,000 per trip for non-refundable travel expenses when trips are canceled for covered reasons.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get coverage for new purchases against damage or theft for 120 days after purchase, up to $500 per item.
Secondary collision coverage on car rentals up to 31 days. Personal auto insurance is primary.
Extends manufacturer's U.S. warranty by 1 year on eligible warranties of 3 years or less.
- United Quest Card: Has a $350 annual fee but provides a $200 United credit, making its effective fee closer to the Explorer card. It comes with two free checked bags and a variety of statement credits. Choose this if you value free checked bags over the lounge access included with the Explorer card.
The United Club Card is better for those who fly United multiple times per year and will use the included United Club membership (normally $750). It carries the highest annual fee at $695 but comes with various other perks that can make the cost worthwhile.
If you’re nearing your 5/24 limit and can qualify for a business card, there are two more United options:
- United Business Card: Offers a 75,000-mile welcome bonus, a $150 annual fee, two United Club passes per year, and your first checked bag free.
- United Club Business Card: Charges a $695 annual fee and offers a 80,000-mile sign-up bonus, along with a full United Club membership and multiple statement credits.
Overall, there are better choices than the Gateway Card if your goal is to maximize benefits and value.
