United Gateway – How to apply

By Marcos • 01/07/2025

This credit card is perfect for those who want many benefits and enjoy all related advantages.

The United Gateway is a great way to earn miles with no annual fee and a 30,000-mile bonus after spending $1,000 in the first 3 months. You’ll earn 2x miles on United purchases, gas, and local transit, plus get 25% back on inflight purchases. 

With no foreign transaction fees, it’s perfect for travelers. Want to learn more about how this card can help you earn miles and save money? Keep reading for all the details!

How 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.

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

To get started, visit the Chase website or United Airlines website, where you’ll find the application page for the card. 

The application will ask for basic personal information such as your name, address, income, and Social Security number. The application will also ask for details about your employment and other financial information to help Chase determine your creditworthiness.

Once you’ve filled out the application, submit it, and you’ll receive an approval decision in just a few minutes. If you’re approved, you’ll receive your card in the mail and can start using it to earn miles immediately. 

Once you’re approved, you can begin enjoying all the benefits and rewards the card has to offer.