United Gateway℠ Card Review

What Are the Fees Associated With the United Gateway Card?

Annual fee: The United Gateway Card has an annual fee of $0.
Foreign transaction fee: The United Gateway Card has a foreign transaction fee of $0.
Balance transfer fee: This card charges either $5 or 5% of the amount of each transfer, whichever is greater.
Cash advance fee: There is a cash advance fee of either $10 or 5% of the amount of each transaction, whichever is greater.
Late or return payment fee: There is a fee of up to $40.
Over-limit fee: There is no over-the-limit fee.

How to Maximize Rewards With the United Gateway Card

The card earns double miles on United Airlines purchases, local transit and commuting and gas station purchases, and 1 mile per dollar on all other eligible purchases.

Comparisons With Other Cards

Annual fee: Both cards have no annual fees.

Rewards: With the United Gateway Card, you’ll earn 2 miles per dollar on United Airlines purchases, local transit and commuting and gas station purchases, and 1 mile per dollar on other eligible purchases. The Capital One VentureOne Rewards Credit Card has a simple rewards program, offering 1.25 miles per dollar on every eligible purchase, every day.

Sign-up bonus: The United Gateway Card offers a 30,000-mile introductory bonus for cardholders after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more. After that, an APR of 21.49% to 28.49% variable applies. Capital One VentureOne Rewards Credit Card holders can earn 20,000 miles once you spend $500 on purchases within 3 months from account opening.

Benefits: United Gateway Card benefits include an auto rental collision damage waiver, trip cancellation or interruption coverage, purchase protection and extended warranty coverage. With the Capital One VentureOne Rewards Credit Card, you’ll have access to fraud coverage and emergency card services.

Annual fee: Neither card requires an annual fee.

Rewards: United Gateway Card holders earn 2 miles per dollar on United Airlines purchases, local transit and commuting and gas station purchases, and 1 mile per dollar on other eligible purchases. With the American Airlines AAdvantage MileUp, you’ll earn 2 miles per dollar on grocery store purchases (including grocery delivery services) and on eligible American Airlines purchases, and 1 mile per dollar on all other purchases.

Sign-up bonus: A 30,000-mile introductory bonus is available to new United Gateway Card holders after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more. After that, an APR of 21.49% to 28.49% variable applies. With the American Airlines AAdvantage MileUp new cardholders can earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.

Benefits: With the United Gateway Card, your benefits include a 25% discount on United in-flight purchases, an auto rental collision damage waiver, trip cancellation or interruption coverage and extended warranty coverage. American Airlines AAdvantage MileUp benefits include a 25% discount on in-flight food and beverage purchases.