United GatewaySM Card
Annual fee
Free
Welcome bonus
30,000
points
Est. 12-mo value
US$390
bonus × ¢/pt − fee
Base ¢/pt
1.30
Foreign txn
0%
Benefits
6 / 10
Welcome Offer
Earn up to 40,000 bonus miles
Earn Rates
2xUnited purchases
2xGas stations
2xLocal transit and commuting
1xAll other purchases
Benefits & Insurance
·Airport Lounge
✓No FX Fee
✓Car Rental Insurance
·Travel Medical
✓Trip Cancellation
·Flight Delay
·Mobile Insurance
✓Purchase Protection
✓Extended Warranty
✓Free Checked Bags
Key Perks
No foreign transaction fee
Statement credits
Free first checked bag
Concierge service
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// last updated 2026-02-23 · est. value = welcome bonus × base ¢/pt − annual fee