United Gateway

By Raquel Oliveira • 04/08/2025

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

The United Gateway Credit Card provides a great way to save money while traveling. Every time you fly with United Airlines, you get 25% back on inflight purchases, including food, drinks, and Wi-Fi.

This benefit makes flying more enjoyable, allowing you to save while staying connected or enjoying premium beverages. Since the discount applies automatically when using your card, there is no need to activate or track offers.

Additionally, this perk extends to purchases made at United Club locations, where you can relax before your flight. For frequent travelers, these savings add up over time, making your trips more cost-effective.

If you often fly with United, this feature alone provides significant value. Combined with the card’s other travel perks, it enhances the overall experience while keeping expenses low.

Earn 30,000 bonus miles

With the United Gateway, you can earn 30,000 bonus miles after spending $1,000 in the first 3 months. It’s an easy way to start building your miles, whether you’re planning a trip or saving for future rewards. 

You can use these miles for United flights, upgrades, hotel stays, car rentals, and more. Earning the bonus is simple—just make everyday purchases and watch your miles add up. It’s a great way to start your journey toward free travel or other exciting rewards!

Pros and Cons 

When choosing a credit card, it’s always good to know what’s great about it and what could be better. The United Gateway has many benefits, but it also has a few downsides. Here’s a quick breakdown of what you can expect.

Pros

• 30,000 bonus miles after spending $1,000 in the first 3 months
• No annual fee
• 2x miles on United purchases, gas stations, and local transit

Cons

• High APR after the intro period
• Limited premium benefits compared to other United cards
• No travel insurance coverage

How do I Know if the United Gateway is the best credit card for me?

The United Gateway is a great choice for people who fly with United often or want to earn miles for future trips. 

You’ll earn 2x miles on United flights, gas stations, and local transit, which adds up fast if you use these services a lot.

Plus, the 0% APR for the first 12 months gives you some breathing room if you need to carry a balance. With no annual fee, it’s a good option if you’re looking to build miles without extra costs. 

However, if you want top-tier travel perks like premium lounge access or insurance, this card may not be for you. 

Why Do We Like This Card?

The United Gateway Credit Card is an excellent option for travelers who want to earn airline rewards without extra costs. The ability to earn up to 7x miles on United purchases and 2x miles on gas and transit makes it valuable for frequent travelers.

One of the best features is the 0% intro APR for 12 months, which provides flexibility for those planning big purchases or managing travel expenses. This makes the card useful for budget-conscious travelers who want to avoid interest charges.

The lack of a foreign transaction fee makes it a good travel companion for international trips. Additionally, the miles earned never expire, allowing you to save them for future travel without pressure.

Overall, this card provides strong rewards with no annual fee, making it an excellent choice for those who want travel perks without added costs.

How to Maximize Your United Gateway Credit Card

To get the most out of this card, consider using it for all United Airlines purchases to maximize your miles. Since it earns 2x miles on transit and gas stations, using it for daily commuting can also add to your rewards.

Taking advantage of the 0% APR period can help if you need to finance a large purchase or balance transfer. Just be sure to pay off the balance before the promotional period ends to avoid interest charges.

Keep track of spending to reach bonus mile thresholds, ensuring you maximize the card’s benefits. With smart usage, this card can provide significant travel rewards and savings over time.