Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 2x on rideshare (catalog median is 1x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$317/yr
$317 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$326/yr
$326 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$408/yr
$408 rewards
Rewards by Category
Dining
1x
Grocery
1x
Gas
2x
Flights
2x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
2x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
1x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.2 cents per point
The Fine Print That Changes the Math
2x on United and gas/transit, 1x everywhere else. No annual fee entry to United ecosystem.
United Gateway Card FAQ
What is the United Gateway Card annual fee?
The United Gateway Card has no annual fee.
What is the United Gateway Card signup bonus?
30,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the United Gateway Card?
2x on flights, 2x on gas, 2x on rideshare. Everything else earns 1x.
Compare With Similar Cards
Is United Gateway Card Right for You?
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