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Bottom line: The United Gateway℠ Card can be a good option if you want an airline credit card that lets you earn United miles and access expanded award availability, but you never, ever want to pay an annual fee. Just remember that, in choosing this card, you’ll wind up with a much lower sign-up bonus and few cardholder perks.

United Gateway℠ CardTable of Contents: Masthead StickyReview: Is the United Gateway the best credit card for you?

Chase offers several co-branded United Airlines credit cards, including personal and small-business versions. The United Gateway℠ Card is the entry-level card in the bunch, and the only one that doesn’t charge an annual fee.

However, this airline credit card is not the most lucrative or rewarding United credit card at all — not by far. In fact, the United Gateway℠ Card has the lowest sign-up bonus and fewest perks of any United credit card, although the earning rate with this card is decent.

Read more: The best United credit cards

With the United Gateway℠ Card, you can earn 10,000 miles after you spend $1,000 in the first three months of account opening. You’ll also earn 2x miles on United purchases, at gas stations, and on local transit and commuting (including rideshare services, taxicabs, train tickets, tolls, and mass transit). You’ll also earn 1 mile per dollar you spend on everything else. 

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The stand-out benefit of the United Gateway℠ Card is its United Gateway℠ Card annual fee. That means you can keep it for the long term and continue earning United miles, plus get access to expanded United award availability at no yearly cost.

However, as you compare United credit cards, keep in mind that most others have much better bonus offers. With the United℠ Explorer Card, for example, you can earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open (plus, an additional 10k bonus miles after you spend $6,000 in the first 6 months). The United℠ Explorer Card does have an annual fee of $95, waived first year.

You also get perks like two United Club passes per anniversary year, a free first checked bag (worth $30 one-way) for yourself and a companion on the same reservation, priority boarding, and a credit toward Global Entry or TSA PreCheck membership — all perks you do not get with the United Gateway℠ Card. Even if you only fly United once or twice a year, the free checked bag benefit alone can offset much of the annual fee.

The United Gateway℠ Card, like other Chase cards, is subject to the  …read more

Source:: Business Insider


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