united gateway credit card
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The United Gateway Card replaces the old TravelBank card as the no-annual fee United credit card.

United Gateway Card Bonus Offer:

20,000 bonus MileagePlus miles after spending $1,000 in your first 3 months

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

How the United Gateway Card earns:

  • 2 miles per dollar on United Airlines purchases and earn 25% back on United inflight purchases
  • 2 miles per dollar at gas stations and on local transit and commuting charges
  • Earn 3 miles per $1 spent at grocery stores, on up to $1,500 per month through 9/30/2021
  • Earn 1 mile per $1 spent on all other purchases

Other Card Benefits:

  • No foreign transaction fees (a nice benefit on a no annual fee card)

How to Apply

You can see how to apply here

united gateway credit card
United Gateway Card

Bottom Line:

I really think this is a better downgrade option than a new card option. You can do better in every bonus category. The Chase Freedom Flex, for example, would give you 5X Ultimate Rewards on groceries for one year – and those could be converted to United miles 1:1 as long as you have a Sapphire Reserve or Sapphire Preferred (or Ink Preferred) as well.

Still, there may be an edge case where this card makes sense – like if you are starving for a United bonus offer and have all of the other available Chase cards.


Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.

And if this post helped you, please consider sharing it!


You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.


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