United Gateway 2021 card review – Forbes Advisor

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Earn rewards

The United Gateway Card earns miles as part of United’s MileagePlus loyalty program.

The card earns 2 miles for every dollar spent on United Airlines purchases, including airline tickets, upgrades such as Economy Plus, in-flight food and drink, and baggage service charges. Additionally, the card earns 2 miles per dollar spent at gas stations, local transit, and commute, including carpooling, taxis, train tickets, tolls, and public transit.

The card earns 1 mile per dollar spent on all other purchases.

Finally, the card offers a welcome bonus: Earn up to 15,000 bonus miles after spending $ 1,000 on purchases during the first 3 months of opening your account. Plus, 15,000 extra bonus miles after spending $ 3,000 in the first 6 months.

Redeeming rewards

Like most frequent flyer miles, MileagePlus miles can be redeemed for a variety of rewards, including air travel, hotel stays, car rentals, cruises, merchandise, gift cards, and experiences.

By far the most common and valuable use of MileagePlus miles is for award travel; most other exchanges don’t offer as much value as award ticket exchanges. United MileagePlus miles can be redeemed with a number of Star Alliance partners such as Lufthansa, Asiana and Singapore Airlines and non-alliance partners such as Aer Lingus and Eurowings.

United’s award pricing is dynamic; many of its rewards correlate roughly with the cash prices of its tickets. The best way to estimate the number of MileagePlus miles needed for your trip is to search united.com. Some of the rewards presented by United Airlines start at 5,000 one-way miles.

In addition to flight awards, MileagePlus offers upgrade awards, an option to upgrade most tickets using miles or a combination of miles and a co-payment in cash. The current price for upgrade awards is based on region and fare class is available on United website.

Reward potential

Using data from various government agencies, Forbes Advisor has developed estimates of how much a family in the 70th income percentile spends each year in various categories. We base our assumptions on a sole proprietorship in this income range. The 70th percentile of salaried households report $ 100,172 per year and $ 26,410 in expenses can be billed to credit cards. These numbers are used to estimate the potential rewards of that credit card.

In an average year, our model family would spend $ 1,755 on airline tickets, which we would assume fully spent with United Airlines. Between gasoline and public transit, this family would spend $ 2,687 annually. All of these category purchases earn 2 miles per dollar, so the number of miles our example family would earn by spending in these bonus categories would be 8,884 miles per year.

Additionally, Forbes estimates that this family would have 21,968 additional expenses that could be billed to the credit card, which would bring in 1 mile on the dollar, bringing the total miles earned annually to 30,852 in addition to the welcome bonus from the first. year.

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