United Gateway Credit Card | MileagePlus Credit Card

Our Best Offer Ever

Earn Up To50,000 Bonus Miles

after qualifying activities*

No annual fee^†

This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

United MileagePlus Gateway Visa Signature Card

0% intro APR for the first 12 months from account opening on purchases.^† After that, a variable APR of 19.99% - 28.49%.^†

No annual fee^†

Apply now

*Offer Details
^†Pricing and Terms

This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

40,000 bonus milesafter you spend $1,000 on purchases in the first 3 months your account is open.*

+ 10,000 BONUS MILESwhen you add an authorized user in the first 3 months your account is open.*

Miles & More

See how your miles soar on eligible United flights with Premier Status:

Earn Miles

5X
total miles on eligible United flights3x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Gateway^℠ Card. Mileage earning differs for Basic Economy or base option tickets.*

2X mileson all other eligible United purchases*

2X mileson gas stations, local transit and commuting*

1X mileon all other purchases*

Unlock additional travel benefits

10%savings when booking United flights with milesAfter spending $10,000 on purchases with your United Gateway^℠ Card in a calendar year, you'll save 10% on flights booked with miles.*

8Xtotal miles on eligible United flightsIn addition to the 2x miles on entire United purchase with the United^℠ Gateway Card, you'll earn 6x miles on fare from United as a MileagePlus member after spending $10,000 on purchases in a calendar year.*

Earn 2 first standard checked bagsafter you spend $10,000 in a calendar year — a value of up to $100.*

Travel With United

25% back on United inflight and Club premium drink purchases*

Travel and purchase coverage^

No blackout dates*

No foreign transaction fees^†

Already a Cardmember?

Learn more about your credit card›

Guide to Benefits (see your purchase and travel protection benefit details)

^ Travel And Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. For full coverage details, cardmembers can refer to their Guide to Benefits, provided after account opening, or call the number on the back of their card for assistance.

^^ Specific limitations apply to New York residents: Purchase Protection – coverage period is 90 days from the date of purchase.

All your United Gateway Card benefits with no annual fee*

Earn 2 checked bags

Earn certificates for 2 first standard checked bags on United®- or United Express®-operated flights after spending $10,000 on purchases each calendar year with your United Gateway^℠ Card — a value of up to $100. The checked bag certificates will be deposited into your MileagePlus account within 6 to 8 weeks after meeting the spend requirement.*

Unlock benefits after $10,000 in spend

After spending $10,000 on purchases with your United Gateway^℠ Card in a calendar year, you'll save 10% or more on flights booked with miles. Plus, unlock 8x total miles on eligible United flights. In addition to the 2x miles on entire United purchase with the United Gateway Card, you’ll earn 6x miles on fare from United as a MileagePlus member after spending $10,000 on purchases in a calendar year. Different rates apply for Basic Economy or base option tickets.*

25% back on United inflight and Club premium drink purchases

You’ll get 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Gateway^℠ Card.*

No foreign transaction fees

Purchases made with your Gateway Card outside the U.S. will not be subject to foreign transaction fees.^† For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Earning MileagePlus miles

Earn miles by flying with United®, United Express®, Star Alliance^™ and other airline partners. You can also earn miles from MileagePlus partners for hotel stays and car rentals, online shopping, eGift card purchases and by using the MileagePlus X app to pay at your favorite restaurants and retailers. Maximize your mileage earning power when you use your card to pay at MileagePlus partners. See united.com/earn for details on earning miles.

Using MileagePlus miles

Your miles can reward you with getaways, unique experiences, electronics and dining. Use them for United flights and other airline partners, hotel stays, car rentals, eGift cards and more. See united.com/UseMiles for details on using miles. Chase Cardmembers can also use miles they’ve earned with their card to receive a statement credit for United ticket purchases and their annual card membership fee.

MileagePlus miles don’t expire

MileagePlus miles never expire. This MileagePlus program benefit gives you a lifetime to use your miles on flights and much more.

No blackout dates

MileagePlus members can use miles to book any available seat on a United®-operated flight, any time, with no restrictions or blackout dates.* For more information, please visit united.com/AirAwards.

Frequently Asked Questions

The United Gateway Card is a good option for people who want to earn United MileagePlus® miles with no annual fee. It’s well suited for travelers who fly United occasionally and want to earn miles on everyday spending without needing frequent travel benefits.*

The United Gateway Card focuses on mile earning rather than travel perks. Key benefits include earning MileagePlus® miles on United purchases, gas stations, local transit, and everyday spending, plus no annual fee. It’s designed for Cardmembers who want a straightforward way to earn miles over time. Cardmembers earn:

2 miles per $1 spent on United purchases, local transit and commuting (including rideshare) and gas stations*
1 mile per $1 spent on all other purchases*
25% back on United inflight purchases*

Cardmembers may unlock additional incremental savings after $10,000 in spend*. This includes:

Earn 2 first standard checked bags after you spend $10,000 on purchases in a calendar year — a value of up to $100.*
Earn 8x total miles on eligible United flights*
Save 10% or more on United flights booked with miles*

Cardmembers earn United MileagePlus® miles on eligible purchases, including miles on United flights and purchases, gas stations, and local transit, along with miles on all other eligible spending. Miles earned are deposited directly into the Cardmember’s MileagePlus account.*

The United Gateway Card does not provide Premier Qualifying Points (PQP) toward Premier status. However, miles earned with the card can still be used for award travel and other MileagePlus redemptions.

The United Gateway Card does not include free checked bags. Earn two first standard checked bags on United®- or United Express®-operated flights after spending $10,000 in a calendar year with your United Gateway^℠ Card — a value of up to $100.*

The United Gateway Card does not provide United Club lounge access or United Club one-time passes. If lounge access is a priority, consider the United Explorer Card or the United Club Card that offer United Club access.