Citi
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United Gateway Card
A starter United card for travelers who want MileagePlus earnings and basic airline perks without paying an annual fee.
Last verified May 8, 2026. Confirm live issuer terms before applying.
Bottom line
Low-friction option if the rewards match your spend
- Best fit
- Best fit if travel and gas is already in your budget and you can route about $333/mo of normal spend.
- Watch out
- Low fee drag, but still compare the rewards against simpler cards.
Bonus ROI
40%
Welcome bonus on required spend
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
$1,000 / 3 mos
Welcome-offer threshold
Travel
2x
United purchases.
Gas
2x
2X miles at gas stations.
General spending
1x
Credits And Perks
What actually offsets the fee
No Annual Fee
Cardmembers can earn United miles without paying a recurring annual fee.
No Foreign Transaction Fees
Eligible purchases made outside the U.S. do not incur foreign transaction fees.
Earn Two Checked Bags
Earn two checked bags on United- or United Express-operated flights after meeting the annual spend requirement.
25% Back on United Inflight Purchases
Receive 25% back as a statement credit on eligible United inflight food, beverage, Wi-Fi, and Club premium drink purchases.
Issuer Offer
Check the live terms before applying
Confirm the welcome offer, annual fee, credits, and eligibility rules on the issuer site.
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