United Quest Card
chase
4.3 / 5
- Welcome
- 80,000 miles
- Annual fee
- $350
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Chase · united
United Gateway Card
3.9 / 5
United MileagePlus miles · Personal card
A fine no-fee way to keep United miles alive. The bag benefit requires $10,000 in annual spend, so most people should step up to the Explorer.
At a glance
- Welcome bonus
- 40,000 miles
- Spend $1,000 in 3 months
- Annual fee
- $0
- Purchase APR
- 19.99% to 28.49%
- Intro: 0% for 12 months
- FX fee
- None
Editorial
Our take
A fine no-fee way to keep United miles alive. The bag benefit requires $10,000 in annual spend, so most people should step up to the Explorer.
Verdict
Pros & cons
Pros
- No annual fee, no foreign transaction fee
- 5x on eligible United flight purchases, 2x on other United purchases, gas, and transit
- 0% intro APR for 12 months
Cons
- No free checked bag by default
- Modest earning and protections
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| United flight purchases | 5x miles | 3x as a MileagePlus member plus 2x from the United Gateway Card, on eligible United flight purchases. |
| United purchases | 2x miles | Other United purchases beyond flights. |
| Gas stations | 2x miles | |
| Transit & commuting | 2x miles | Local transit and commuting. |
| All other purchases | 1x miles |
Benefits
Key benefits
No-fee United miles
25% back on inflight purchases, and bag plus award discounts kick in after $10,000 annual spend.
Fit
Who this is best for
- Occasional United flyers
- Downgrade destination from Explorer or Quest
FAQ
Frequently asked questions
What is the United Gateway welcome bonus?
Earn 40,000 bonus miles after spending $1,000 in the first 3 months, plus 10,000 more miles for adding an authorized user in that window. Includes 0% intro APR for 12 months on purchases.
Does the United Gateway charge an annual fee?
No. The United Gateway has a $0 annual fee.
Does the United Gateway have a foreign transaction fee?
No. The United Gateway charges no foreign transaction fee, so it works well for international purchases.
Does the United Gateway offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 12 months on purchases. The ongoing purchase APR is 19.99% to 28.49% variable.
Who is the United Gateway best for?
Occasional United flyers. Downgrade destination from Explorer or Quest.
Similar
Related cards
United Club Card
chase
4.1 / 5
- Welcome
- 90,000 miles
- Annual fee
- $695
United Explorer Card
chase
4.3 / 5
- Welcome
- 70,000 miles
- Annual fee
- $150 (waived first year)
Apply
United Gateway Card
Spend $1,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.