United Gateway – How to apply
This credit card is perfect for those who want many benefits and enjoy all related advantages.
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The United Gateway Credit Card is an excellent choice for travelers looking to earn airline miles without the burden of an annual fee. It offers valuable rewards on everyday purchases such as gas, commuting, and flights.
Designed for budget-conscious travelers, this card provides flexibility without the high costs typically associated with premium travel cards. While it doesn’t offer luxury perks like lounge access, it still delivers meaningful benefits for frequent flyers.
Cardholders earn miles on every purchase, with bonus categories that accelerate reward accumulation. Additionally, the card features an introductory APR offer, making it a practical option for managing short-term expenses.
If you’re seeking a travel rewards card that balances value and affordability, the United Gateway Card deserves a closer look. In this article, we’ll break down how it works, its key benefits, potential drawbacks, fees, and the application process.
United Gateway
Earn up to seven times miles on United purchases 0% introductory APRHow does the United Gateway Work?
The United Gateway is simple to use and helps you earn miles for everyday purchases. When you make a purchase with the card, you earn miles based on where you spend.
For example, you earn 2x miles on United flights, gas, and local transit like taxis or buses. The miles you earn go directly into your MileagePlus account, which is connected to United Airlines. These miles can be used for flights, hotels, car rentals, and more.
The card has no foreign transaction fees, so you won’t pay extra if you use it while traveling abroad. You also get 0% APR for the first 12 months, meaning you don’t pay interest on purchases during that time.
After the first year, the APR changes to a variable rate based on your credit. It’s a straightforward rewards card that helps you rack up miles with no complicated steps.
Main benefits of the United Gateway
One of the main benefits is the 30,000-mile bonus you can earn after spending $1,000 in the first 3 months. This is a great way to jumpstart your MileagePlus account and start planning your next trip.
The card also offers 2x miles on United purchases, gas, and local transit. This means you can earn extra miles when booking flights with United, filling up your car, or using public transportation. The 2x miles really add up if these are purchases you make regularly.
Plus, you’ll get 25% back as a statement credit on purchases like food, drinks, and Wi-Fi during United-operated flights. This benefit can really help reduce the cost of things you buy on board, especially during long flights.
Another benefit is that there’s no annual fee, so you won’t be charged a yearly fee just to keep the card. Also, the card has no foreign transaction fees, which means you can use it while traveling outside the U.S. without having to worry about extra charges.
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Cons for the United Gateway
While the United Gateway offers great perks, there are a few downsides. One major downside is the high APR after the first 12 months. Once the 0% intro APR ends, the rate can range from 21.24% to 28.24%. This can be expensive if you carry a balance on the card.
Another issue is that the card doesn’t come with some of the premium perks available with other United cards. For example, it doesn’t offer airport lounge access or extensive travel insurance. If you’re looking for those features, this card might not be the best fit.
Finally, while you earn 2x miles on certain categories, like United purchases and transit, you only earn 1x mile on other purchases. If you want a card that earns more miles on a wider range of purchases, this card might not be enough for you.
APR and fees
The United Gateway offers a 0% APR on purchases for the first 12 months, which is great if you want to avoid interest on large purchases.
After the intro period, the APR becomes a variable rate, which can range from 21.24% to 28.24%, depending on your credit.
There’s no annual fee for this card, which makes it an affordable option for anyone who wants to earn miles without extra costs.
Additionally, there are no foreign transaction fees, so you won’t be charged extra when using the card abroad. This is a big benefit if you travel internationally.
How to Apply for the United Gateway
Applying for the United Gateway℠ Credit Card is quick and can be done online. The first step is to visit Chase’s website and find the application form for this card.
To complete the application, you’ll need to provide personal information, including your name, address, income, and Social Security number. Chase will review your credit history to determine eligibility.
Since this card requires good to excellent credit, checking your credit score before applying is a smart idea. If your score is in the 700+ range, you have a higher chance of approval.
Once you submit your application, Chase may provide an instant decision, or they may request additional information. If approved, you’ll receive your card within 7 to 10 business days.
Conclusion
The United Gateway Credit Card is a great choice for travelers who want to earn United miles without paying an annual fee. It offers useful rewards on flights, gas, and commuting, making it a solid everyday card.
However, it’s best for United Airlines customers since the rewards are primarily redeemable through the MileagePlus program. If you don’t fly United often, you may prefer a more flexible travel rewards card.
With no foreign transaction fees, a 0% intro APR, and bonus miles, this card is a valuable tool for budget-conscious travelers. If you’re looking for a simple way to earn travel rewards without extra costs, this card is worth considering.
