The United GatewaySM Credit Card is a co-branded credit card offered by Chase in partnership with United Airlines. Designed for individuals who want to earn rewards and enjoy benefits when traveling with United Airlines, this card is an excellent option for frequent flyers and anyone who seeks to maximize their travel experience through a rewards program. In this detailed guide, we’ll explore the features, benefits, and application process for the United GatewaySM Credit Card, as well as tips for getting the most out of your rewards.
Key Features of the United GatewaySM Credit Card
The United GatewaySM Credit Card offers an array of benefits tailored to travelers who frequently fly with United Airlines. Here are the key features of this card:
1. Sign-Up Bonus
One of the most attractive aspects of the United GatewaySM Credit Card is the generous sign-up bonus. New cardholders can earn 20,000 bonus miles after spending $1,000 on purchases in the first 3 months from account opening. These bonus miles can be redeemed for flights, upgrades, and other rewards through the United MileagePlus program.
2. Earning MileagePlus Miles
With the United GatewaySM Credit Card, cardholders can earn 2 miles per dollar on purchases made with United Airlines, including airfare, baggage fees, and in-flight purchases. Additionally, the card earns 2 miles per dollar on dining and select streaming services. For all other purchases, you’ll earn 1 mile per dollar. These earning rates make the card ideal for those who frequently travel with United or enjoy dining out and using subscription services.
3. No Annual Fee
Unlike many other travel credit cards, the United GatewaySM Credit Card comes with no annual fee, which is a major benefit for cardholders who want to earn rewards without paying a yearly cost. This makes the card accessible for a wider range of customers, especially those who fly occasionally but still want to earn valuable miles.
4. Travel Benefits
The United GatewaySM Credit Card provides a range of useful travel perks, making your experience with United Airlines even more enjoyable:
- First Checked Bag Free: Cardholders can enjoy a free first checked bag for themselves and one companion when traveling on a United-operated flight. This perk alone can save you up to $35 per person each way, depending on your flight route.
- Priority Boarding: Enjoy the convenience of priority boarding on United flights. This means you can board earlier, secure overhead bin space, and get settled in more comfortably.
- 25% Back on In-Flight Purchases: You’ll receive 25% back in the form of a statement credit on United Airlines in-flight purchases, including food, beverages, and Wi-Fi. This can add up over time, especially on longer flights.
- No Foreign Transaction Fees: The United GatewaySM Credit Card does not charge foreign transaction fees, making it an excellent choice for international travelers. You can use your card abroad without incurring additional fees, which is a significant advantage for those who travel frequently outside the U.S.
5. MileagePlus Miles Redemption
The miles earned through the United GatewaySM Credit Card are redeemed through the MileagePlus program, United Airlines’ frequent flyer program. Miles can be used for a variety of rewards, including:
- Award Flights: Book flights with United Airlines or its airline partners.
- Flight Upgrades: Use miles to upgrade to a higher class of service.
- Hotel Stays and Car Rentals: Redeem miles for hotel stays, car rentals, and vacation packages.
- Gift Cards and Merchandise: United also offers the option to redeem miles for gift cards or merchandise through its online store.
This flexibility allows cardholders to use their miles for both travel and non-travel rewards, depending on their preferences.
6. Travel Protection and Insurance
The United GatewaySM Credit Card offers several protections, including:
- Travel Accident Insurance: Provides coverage in case of accidental injury or death while traveling on a common carrier.
- Baggage Delay Insurance: If your baggage is delayed for more than 6 hours, you may be reimbursed for essential purchases like toiletries or clothing.
- Trip Cancellation/Interruption Insurance: If your trip is canceled or interrupted for a covered reason, you may be reimbursed for non-refundable expenses.
These insurance benefits can provide peace of mind when traveling, knowing that you’re protected in case of unforeseen circumstances.
How to Apply for the United GatewaySM Credit Card
Applying for the United GatewaySM Credit Card is a straightforward process. Here’s a step-by-step guide on how to apply:
1. Eligibility Requirements
Before you apply, ensure that you meet the basic eligibility requirements:
- Credit Score: A good to excellent credit score is typically required for approval. This means you should have a score of around 670 or higher to increase your chances of approval.
- Income: While there is no specific minimum income requirement, you should have enough income to manage the credit limit and pay off your balance.
- U.S. Residency: You must be a U.S. citizen or permanent resident to apply for the United GatewaySM Credit Card.
2. Applying Online
The easiest way to apply is through the official Chase website. Here’s how:
- Step 1: Visit the official Chase website.
- Step 2: Navigate to the United GatewaySM Credit Card page.
- Step 3: Click on the “Apply Now” button.
- Step 4: Complete the application form with your personal details, including your name, address, income, and Social Security number.
- Step 5: Submit your application. Chase will process your request and notify you of your approval status, usually within minutes.
3. Applying by Phone
If you prefer, you can also apply by phone. Call Chase’s customer service line, and a representative will guide you through the application process.
4. Approval Process
Once you’ve submitted your application, Chase will review your credit history, income, and other financial factors. If approved, you’ll receive your United GatewaySM Credit Card within a few days, and you can start earning rewards immediately.
Maximizing Your Rewards with the United GatewaySM Credit Card
To get the most value from the United GatewaySM Credit Card, here are a few strategies:
- Use Your Card for United Purchases: Always use your card when booking flights, paying for baggage, or making in-flight purchases with United Airlines to earn 2 miles per dollar.
- Take Advantage of Dining and Streaming Categories: Use your card for dining and streaming services to earn bonus miles. Consider setting up automatic payments for subscriptions like Netflix, Spotify, or meal delivery services to earn extra miles.
- Track Promotions: Keep an eye out for special promotions that offer bonus miles for certain purchases. Chase and United frequently offer limited-time deals that allow you to earn extra miles.
- Redeem Miles Smartly: Use your miles for flights and upgrades with United or its airline partners to maximize their value. Flight redemptions generally provide the best value for your miles compared to other types of rewards.
Conclusion
The United GatewaySM Credit Card is an excellent option for travelers who want to earn miles on everyday purchases and enjoy valuable benefits with United Airlines. From free checked bags to priority boarding and in-flight savings, the card provides a wide range of perks that enhance your travel experience. With no annual fee and the potential to earn 2 miles per dollar on United purchases, this card is a great choice for both casual and frequent travelers.
If you frequently fly with United Airlines and want to make the most of your travel spending, consider applying for the United GatewaySM Credit Card today and start earning miles toward your next adventure.
