Earn MileagePlus miles with no annual fee

The New United Gateway℠ Card: Calculator & Rewards Breakdown

Fees

Earning Rates

7X total miles on United flights, plus more if you're a Premier member.
5X total miles on hotel stays purchases through United Hotels.
2X miles on all other eligible United purchases.
2X miles at gas stations and on local transit and commuting, including rideshare.
1X miles on all other purchases.

Main Benefits

Earn 2 checked bag certificates after you spend $10K during the year.
25% discount on in-flight purchases of food, beverages, and Wi-Fi on United-operated flights.
No foreign transaction fees.

Our Take

The United Gateway Card is the best option (and really only option) for earning United miles at no annual fee. It could also be worth picking up to pair with other United credit cards that don't earn 2X on gas, transit, or commuting.

Last Updated: 04-04-2025

United Gateway Card Miles Calculator

Estimate how many miles you'll earn with the United Gateway Card based on your everyday spend. This no-annual-fee card is ideal for casual travelers — compare it with other United cards and customize your rewards setup.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

The New United Gateway℠ Card Details

Earning Rates

The United Gateway Card earns United miles at the following rates:

7 miles total per $1 spent on United flights—5X miles on fare as a MileagePlus member, plus 2X miles on United purchases with the card.
5 miles total per $1 spent on hotel stays booked through United Hotels—2X miles as a MileagePlus member, 2X miles on United purchases with the card, and 1X mile from United when you prepay through United Hotels.
2 miles per $1 spent on all other eligible United purchases including in-flight food, beverages and Wi-Fi, baggage service charges and more.
2 miles per $1 spent at gas stations.
2 miles per $1 spent on local transit and commuting, including ride share services, taxicabs, train tickets, tolls, and mass transit.
1 mile per $1 spent on all other purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main perks and benefits of the United Gateway Card:

Earn Two Free Checked Bags: Earn two checked bag certificates redeemable on United-operated flights after spending $10K in a calendar year with the card.
25% Savings In-Flight: Receive 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card.
Travel & Purchase Coverage: Trip Cancellation Insurance, Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection, and Extended Warranty Protection.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The United Gateway Card has a $0 annual fee.

The card doesn't offer much in terms of benefits, but it's a solid card for earning United miles at no annual fee.

Authorized User Fee

There is no fee to add additional users to the United Gateway Card. Adding family and friends as authorized users can help you build United miles faster.

Foreign Transaction Fee

The United Gateway Card has no foreign transaction fee. This is great for a no-annual fee card as you'll be able to use the card outside of the United States to earn miles without penalty.