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United Gateway℠ Card
Welcome Offer
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How to Earn Rewards
5x
Total miles on eligible United flights (3x as MileagePlus member + 2x as cardholder; differs for Basic Economy)
2x
Miles on all other eligible United® purchases, at gas stations, and on local transit and commuting (including rideshare, taxis, trains, and tolls)
1x
Mile on all other purchases
8x
Total miles on eligible United flights AFTER spending $10,000 in a calendar year (jumps from 5x; tier benefit unlocked through spending)
Key Benefits
Tap any benefit to see details.
Expanded Saver Award Availability for Cardholders
Holding any United MileagePlus credit card (including the no-AF Gateway) unlocks expanded Saver-level award seats on United flights — saver seats not visible to non-cardholders. The $0 AF makes Gateway the cheapest way to access this perk.
25% Back on United Inflight Food, Beverages, WiFi & Club Premium Drinks
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights, plus on Club premium drinks when you pay with your Gateway Card.
0% Intro APR on Purchases (12 Months)
0% intro APR on purchases for 12 months from account opening. After that, a variable APR of 19.74%-28.24% applies. Useful for spreading large purchases interest-free during the welcome offer period.
2 Free Checked Bags After $10,000 Calendar Year Spend
Earn 2 free checked bags on United-operated and United Express-operated flights after spending $10,000 in a calendar year on the card. Per April 2026 fees, each checked bag is $40 each way — savings of up to $160 per round-trip for cardholder + companion (each saving 2 bags). Not unlocked unless spending threshold met.
10% Off Award Flights After $10,000 Calendar Year Spend (NEW 2026)
Save 10% or more on flights booked with United miles after spending $10,000 on the card in a calendar year. Premier members save even more. NEW 2026 benefit added across United co-branded cards. (Higher-tier United cards get this benefit automatically without the $10K threshold.)
8x United Flight Earning After $10,000 Calendar Year Spend
After $10,000 in calendar year card spend, earning rate on United flights jumps from 5x to 8x total (6x MileagePlus + 2x cardholder). Tier-based earning unlock.
$100 United TravelBank Cash After $10,000 Calendar Year Spend
After $10,000 in calendar year card spend, earn $100 in United TravelBank cash usable for United flight purchases (per CNN Underscored).
Auto Rental Collision Damage Waiver (Secondary)
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. Secondary coverage in the U.S. (your personal insurance pays first).
Trip Cancellation/Interruption Insurance (Up to $1,500/Traveler)
Reimbursement up to $1,500 per covered traveler and $6,000 per trip for prepaid, non-refundable passenger fares if your trip is canceled or cut short by sickness, severe weather or other covered situations.
Purchase Protection (120 Days, $500/Item)
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item.
No Foreign Transaction Fees
No foreign transaction fees on international purchases. Notable for a no-AF card — saves 3% on international spending.
No Annual Fee
$0 annual fee — keep it forever to maintain Saver award availability + 25% inflight credit.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
The biggest advantage to this card is that holding it will open up cardmember pricing for United flights when you're booking with points and spend $10,000 on this card in a year. But that's a big chunk to spend to get 10% off on award flights.
Otherwise, nothing too exciting about this card.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 30,000 Bonus Miles + 0% Intro APRCurrent | $1,000 in 3 months | Current standard offer (without auth user bonus) |
| Up to 40,000 Bonus Miles + 0% Intro APR (30K + 10K)CurrentElevated | $1,000 in 3 months + add authorized user | Current (April 2026) |
| 20,000-30,000 Bonus Miles | $1,000 in 3 months | Historical baseline range |
| 40,000 Bonus MilesElevated | $1,000 in 3 months | Elevated; ran in April 2025 |
