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There’s a new option if you want a credit card that earns United MileagePlus miles. The United Gateway℠ Card can be a good fit for budget flyers. You won’t pay an annual fee, earn up to 2 United Miles per $1, and enjoy a few other travel perks. These are some of the perks you can look forward to with the new Chase offer.

Learn more: Airline Credit Cards

The new United Gateway℠ Card earns miles for purchases. United’s last 747 SFO-HNL on Nov 7, 2017. Credit: Johnny Jet

Earn United Airlines Miles

You can earn up to 2 United MileagePlus miles on purchases with the United Gateway card.

These purchases earn 2x United miles:

  • United purchases
  • Gas stations
  • Transportation (Public transit, rideshares, and taxis)

All non-bonus purchases earn 1x mile per $1. United MileagePlus miles no longer expire so you can bank them up for a future award flight when you’re ready to fly.

Grocery Purchases Earn 3x Miles (Limited-Time)

Supermarket purchases that you make using the United Gateway Card earn 3x United Miles. This limited-time promotion goes through September 30, 2021.

Chase is offering a similar grocery store promotion on some its other credit cards. For instance, the Chase Freedom Flex℠ (also brand-new) and the Chase Freedom Unlimited® earn 5x Ultimate Rewards on the first $12,000 in grocery purchases for the first 12 months of ownership (excludes Target and Walmart purchases).

What makes the United Gateway offer different is that new and existing cardmembers qualify for the 3x grocery bonus. You see, Chase is transitioning cardholders of the two existing no annual fee United Airlines credit cards into the Gateway Card.

Learn more: Airline Credit Cards

Multiple Redemption Options

You can redeem your miles for award flights on United Airlines or another Star Alliance partner.

MileagePlus members can also pay for car rentals, hotel nights, and merchandise with United miles too. However, your miles are likely to have a lower redemption value for something other than award flights.

The discontinued United TravelBank Card (the predecessor to the Gateway Card) earned cash rewards that you could redeem for United flights. Now, you can pool your existing MileagePlus balance with your Gateway Card earnings.

25% Statement Credit for In-Flight Purchases

You can get a 25% statement credit on these in-flight purchases:

  • Food
  • Beverages
  • Wi-Fi

Getting 25% back in a statement credit is always nice when making in-flight purchases.

No Annual Fee

Another reason to consider the United Gateway Card is that you won’t pay an annual fee or a foreign transaction fee.

If you can spend enough each year to book an award flight and don’t use the extra perks of the United Airlines credit cards with an annual fee (such as free checked bags), consider getting the Gateway Card.

Learn more: Airline Credit Cards

20,000 Miles Signup Bonus

New cardmembers have the opportunity to earn 20,000 United miles by spending $1,000 in the first 3 months. This signup bonus is a limited-time offer to attract new applications. The ongoing bonus amount will likely be lower in the future.

One-way flights in the continental United States start at 12,500 miles. This bonus can be enough to get you to see relatives or a vacation spot. Your card purchases can be enough to cover the miles difference to book a return award flight too.

Related: Best limited-time credit card offers

Trip Cancellation Insurance

Having to cancel or reschedule a non-refundable trip at the last minute is never a pleasant decision to make. You can get reimbursed up to $1,500 per person and $6,000 per trip for covered reasons, including sickness and injury.

United is no longer charging change fees for domestic standard economy and premium cabin fares. Basic economy fares and international flights that you purchase by December 31, 2020, won’t incur a change fee either. However, they will incur changes fees once again in 2021.

Other United Credit Card Offers

The other consumer United credit cards also have their own perks, while the business card has an enhanced limited-time bonus offer.

United Explorer Card

The United℠ Explorer Card lets you earn 40,000 bonus miles by spending $2,000 in the first 3 months. You can also get up to two free checked bags on flights (one for the primary cardholder and one for a travel companion). The annual fee is $0 for the first year, and then $95 per year.

Cardholders earn 2x miles per $1 spent at restaurants and eligible delivery services (including Grubhub, Caviar, Seamless, and DoorDash), on hotel stays, and on United purchases. All other purchases earn 1x mile per $1 spent.

Other perks include a fee credit of up to $100 for Global Entry or TSA PreCheck, 25% back on inflight United purchases, first checked bag is free when using your card to purchase your ticket, priority boarding, and two one-time United Club passes annually.

Learn more: Airline Credit Cards

United Club Infinite Card

Premium flyers may enjoy the United Club℠ Infinite Card. Cardholders earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. They also earn 2x miles per $1 spent on all other travel, on dining at restaurants and eligible delivery services (including GrubHub, Caviar, Seamless, and DoorDash), and earn 1x mile per $1 spent on all other purchases.

There is a Global Entry or TSA PreCheck fee credit and the first two checked bags are free. The annual fee is $525, but is waived the first year. Complimentary United Club membership is also included.

Learn more: Airline Credit Cards

United Business Card

If you are a small business owner, check out the United℠ Business Card. New cardholders can earn 75,000 miles after making qualifying purchases, available for a limited time. Plus, there’s a $0 intro annual fee (then $99).

United Business Card cardholders earn 2x miles per $1 spent on United purchases, at gas stations, office supply stores, at restaurants (including eligible delivery services) and more. All other purchases earn 1x mile per $1 spent.

Benefits include a free checked bag (which saves up to $140 per roundtrip), 2 United Club one-time passes at account opening and on each anniversary (over $100 annual value), and a $100 United travel credit after making 7 flight purchases of $100 or more each anniversary year. These benefits easily offset the annual fee.

Cardholders receive 5,000 bonus miles each account anniversary if they have both the United Business Card and the personal United Explorer Credit Card. You won’t have to worry about foreign transaction fees.

Related: Best United Credit Card Options, Bonuses, Perks, & More

Who Should Get the United Gateway Card?

You should apply for the United Gateway Card if you want to earn United Airlines miles and don’t need the additional perks the United Explorer Card and United Club Infinite Card provide. While small, the signup bonus of 20,000 bonus miles is easy to reach with a $1,000 spending requirement within the first 3 months.

Also, check to make sure you’re below the 5/24 rule and have opened 4 or fewer cards in the past 24 months.

If you already have the United TravelBank Card or another legacy United MileagePlus card, Chase will send you a United Gateway Card before the end of October.

Learn more: Airline Credit Cards

Summary of the New United Gateway Card

The United Gateway Card can be a good option if you want to earn United Miles and don’t want to pay an annual fee. It’s also a good option when you don’t need extra United perks like free checked bags or United Club lounge access. Looking into it now means you can get the bonus offer as well.

Learn more: Airline Credit Cards

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Josh Patoka
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