The United GatewaySM Credit Card is an excellent choice for those who frequently fly with United Airlines or seek to earn travel rewards with ease. As a co-branded credit card offered in partnership with Chase, it provides an array of benefits tailored to casual travelers and those looking to maximize their rewards without paying high fees. In this article, we will delve into the features, benefits, and application process for the United Gateway Credit Card.
Key Features of the United GatewaySM Credit Card
1. Sign-Up Bonus
One of the most appealing aspects of the United Gateway Credit Card is its generous sign-up bonus. New cardholders can earn a substantial number of bonus miles after spending a specified amount within the first few months of opening their account. This bonus can kickstart your travel plans, making it easier to book your next flight or redeem for upgrades.
2. Earning Miles
The United Gateway Credit Card allows you to earn miles on every purchase, with a rewards structure designed to maximize your earning potential:
- 2 miles per dollar spent on United Airlines purchases, which includes flights, baggage fees, and inflight purchases.
- 2 miles per dollar spent on dining and hotel accommodations.
- 1 mile per dollar on all other purchases.
This structure makes it simple for cardholders to accumulate miles quickly, especially if they use their card for everyday expenses like dining and travel.
3. No Annual Fee
Unlike many travel credit cards, the United Gateway Credit Card has no annual fee. This makes it an attractive option for those who want to earn rewards without the burden of additional costs. The absence of an annual fee also allows casual travelers to enjoy the benefits of the card without committing to high spending requirements.
4. No Foreign Transaction Fees
Traveling internationally? The United Gateway Credit Card does not impose foreign transaction fees, allowing cardholders to use their card abroad without worrying about extra charges. This feature is essential for frequent travelers who prefer to avoid unnecessary expenses when using their cards overseas.
5. Free Checked Bag
For travelers flying with United, the card offers a significant perk: the first checked bag is free for the cardholder and one companion on the same reservation. This benefit can save travelers up to $140 per round trip, making it especially valuable for families or individuals who often check bags.
6. Priority Boarding
Cardholders receive the benefit of priority boarding on United flights. This allows you to board earlier, ensuring you have sufficient space for your carry-on luggage and can settle in more comfortably for your flight.
7. Travel Protection Benefits
The United Gateway Credit Card also includes several travel protection features. Cardholders benefit from travel accident insurance, trip cancellation insurance, and delayed baggage insurance. These protections can help provide peace of mind when traveling and can mitigate unexpected expenses that may arise due to trip disruptions.
8. MileagePlus Program Integration
The United Gateway Credit Card is linked with the MileagePlus program, United Airlines’ frequent flyer program. This means that every dollar spent on the card translates directly into miles that can be used for flights, upgrades, and other travel-related expenses. The integration with MileagePlus allows for seamless tracking and redeeming of rewards.
Managing Your Account
Cardholders can manage their United Gateway Credit Card accounts through the Chase website and mobile app. The online platform is user-friendly, allowing you to monitor transactions, pay bills, and redeem miles easily. Additionally, the app offers real-time alerts for spending, making it convenient to stay on top of your finances while traveling.
Redeeming Miles
Miles accumulated with the United Gateway Credit Card can be redeemed for a variety of rewards, including:
- Flights: Use your miles for award travel on United Airlines and its partner airlines.
- Upgrades: Redeem miles for upgrades to higher classes of service, making your journey more comfortable.
- Travel Expenses: Miles can also be used for hotel stays and car rentals through United’s travel portal.
- Merchandise and Gift Cards: While not as valuable as travel redemptions, miles can also be used for various merchandise and gift cards.
How to Apply for the United GatewaySM Credit Card
Step 1: Check Your Eligibility
Before applying, ensure you meet the basic eligibility requirements, which typically include:
- Being at least 18 years old.
- Having a valid Social Security number.
- Possessing a good credit score (generally above 670).
Step 2: Gather Required Information
When ready to apply, gather the necessary information, which may include:
- Personal information (name, address, date of birth).
- Employment details (employer name, job title, income).
- Financial information (monthly housing payment, other income sources).
Step 3: Apply Online
The most convenient way to apply for the United Gateway Credit Card is through the Chase website. Follow these steps:
- Visit the Chase website and navigate to the United Gateway Credit Card page.
- Click on the “Apply Now” button.
- Complete the online application form with your personal and financial information.
- Review your application for accuracy before submitting it.
Step 4: Wait for Approval
After submitting your application, you may receive an instant decision, or your application might be reviewed further. If approved, you will receive your card in the mail within a week or two, ready for use on your next adventure.
Conclusion
The United GatewaySM Credit Card is an excellent choice for travelers looking to earn rewards without the burden of annual fees. With features such as a generous sign-up bonus, miles on everyday purchases, and valuable travel benefits, this card is well-suited for both occasional travelers and those who fly frequently with United Airlines. If you’re interested in enhancing your travel experience and maximizing your rewards, consider applying for the United Gateway Credit Card today.
