United Gateway Card 2021 Review: Is It Right for You?

Top perks

Sign-up bonus

You’ll receive 15,000 bonus miles when you spend $1,000 on purchases with the United Gateway℠ Card in the first three months. Plus, you can receive 15,000 more miles when spending a total of $3,000 in the first six months.

United MileagePlus miles have an approximate value of $0.01 to $0.015 each, depending on how you redeem them. That means the 30,000-mile bonus is worth about $300 to $450. It’s a fairly competitive bonus compared to other no annual fee cards. You could use those miles for one or more domestic economy tickets, or you could save them to stock up for a future trip.


The United Gateway℠ Card earns:

  • 2 miles per dollar on United purchases
  • 2 miles per dollar at gas stations
  • 2 miles per dollar on local transit and commuting, including rideshares, taxis, train tickets, tolls, and mass transit
  • 1 mile per dollar on all other purchases

Overall, it’s a solid set of bonus categories. Gas stations are an area where many consumers have high spending, and local transit and commuting are bonus categories we don’t see often.

No annual fee

If you want a no annual fee card, the United Gateway℠ Card fits the bill. It also works well if you have a different United card that you want to downgrade to avoid an annual credit card fee.

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25% back on United in-flight purchases

You’ll get a 25% statement credit on various United in-flight purchases when you pay with your United card. These include food, beverages, and wifi on United-operated flights.

No foreign transaction fees

You won’t get charged any extra fees on transactions you make during trips outside the United States. Most of the best travel rewards cards have eliminated foreign transaction fees, so this perk isn’t unique. Regardless, it’s a nice feature.

Travel protection

When you pay with this card, it offers the following travel protections on eligible purchases:

  • Auto rental damage collision waiver
  • Trip cancellation/interruption insurance

Purchase protection

Eligible purchases made through this card receive the following:

  • Purchase protection against damage or theft
  • Extended warranty coverage

One-year DashPass membership

The United Gateway℠ Card entitles you to a complimentary one-year DashPass membership, the delivery service for DoorDash and Caviar. With a membership, your eligible orders over $12 qualify for a $0 delivery fee and reduced service fees.

You must activate this benefit by Dec. 31, 2021 to use it. Once the free year ends, you’re automatically enrolled in DashPass at the monthly rate unless you decide to cancel first.

View more information: https://www.fool.com/the-ascent/credit-cards/united-gateway-card-review/

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