United Gateway Card 2026 Review

Annual fee
$0
Rewards rate
2%-1%
Welcome Bonus
30,000 Bonus miles
Apply Now →on Chase's website
Regular APR:19.74%-28.24% variable

  • 2%Miles on eligible United purchases, gas stations, and local transit
  • 1%Miles on all other purchases

Welcome Bonus:

Earn 30,000 Bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.

Reward Rate:

Earn 2 miles per dollar spent on eligible United purchases, at gas stations and on local transit and commuting, and 1 mile on all other purchases.

APR:

19.74%-28.24% variable

A key differentiator of the United Gateway Card is its no annual fee structure, making it accessible for casual travelers. The ability to earn 2 miles on United purchases and other categories adds value without the burden of an annual fee.

Pros:

  • No annual fee
  • Good rewards on United purchases

Cons:

  • Limited to United for maximum rewards
  • Lower rewards rate on non-United purchases
Apply now →

The United Gateway Card is well-suited for casual travelers seeking to earn rewards without an annual fee, particularly those who frequently fly with United Airlines and want to maximize their earning potential in specific categories. With a competitive reward structure and a welcome bonus, this card offers a practical option for individuals looking to enhance their travel experiences without added costs.

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