Can I Use My United Gateway Credit Card Anywhere? (2024)

FAQs

Can I Use My United Gateway Credit Card Anywhere? ›

Yes, you can use your United Gateway Card everywhere that accepts cards on the Visa network. That means you can use the card virtually everywhere in the world. The United Gateway Card has a foreign transaction fee of $0, which means you won't incur extra charges for international purchases.

Here's the average credit limit of members who matched their United Gateway℠ Card or similar cards. The average credit limit for members who have matched with this card or similar cards is $12,106, with $2,000 being the most common.

Approval odds

As is the case with most travel and airline rewards cards, you'll need good to excellent credit to qualify for the United Gateway Card (a credit score in the 670 to 850 range).

United Gateway Card Rewards

The card earns 2 miles per dollar on United® purchases, at gas stations and on local transit and commuting and 1 mile per dollar on all other purchases. It also offers a welcome bonus: Earn 20,000 bonus miles after spending $1,000 on purchases in the first 3 months of account opening.

Whether a credit card is accepted at a particular merchant depends on the payment network it belongs to. The good news is that the four major payment networks—Visa, Mastercard, Discover, and American Express—are widely accepted everywhere in the United States.

A payment gateway collects customer card information and encrypts it for later processing. A payment processor uses that information to charge the customers' bank or credit card provider.

Bottom Line

Your credit utilization rate affects your credit score. Try to keep your overall credit use to about 30% of your overall credit limit, if not lower. Extend your overall credit availability by applying for additional lines of credit, but don't apply for too many at once.

Yes, you can use your United Gateway Card everywhere that accepts cards on the Visa network. That means you can use the card virtually everywhere in the world. The United Gateway Card has a foreign transaction fee of $0, which means you won't incur extra charges for international purchases.

United Gateway℠ Card drawbacks

The United Gateway℠ Card doesn't offer free checked bags or priority boarding like you can get with other United cards. For example, with the United℠ Explorer Card, the primary cardholder and one companion can each check a standard bag for free — saving up to $160 per round trip.

What is the minimum payment on the United Gateway Card? ›

The United Gateway Card minimum payment is $40 or 1% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher. If the statement balance is less than $40, the United Gateway Card minimum payment will be equal to the balance.

Yes, you can switch from the United Gateway Card to the United Explorer Card explorer. Although the United Explorer has a modest annual fee, it will offer you more travel perks compared to the United Gateway card including lounge access, priority boarding and a free checked bag.

No annual fee

Cardmembers can earn miles for purchases without an annual fee.

If you have a credit card balance, it's typically best to pay it off in full if you can. Carrying a balance can lead to expensive interest charges and growing debt. Plus, using more than 30% of your credit line is likely to have a negative effect on your credit scores.

By paying your debt shortly after it's charged, you can help prevent your credit utilization rate from rising above the preferred 30% mark and improve your chances of increasing your credit scores. Paying early can also help you avoid late fees and additional interest charges on any balance you would otherwise carry.

A daily transaction limit of $5000 applies for transactions on Online Banking / Gateway App.

Credit limits for the United℠ Explorer Card range from $5,000 to over $20,000. The minimum credit limit is $5,000, but you may be approved for a higher limit depending on your income and credit history.

The highest credit card limit you can get is over $100,000 according to reports from credit card holders. But like most credit cards in general, even the highest-limit credit cards will only list minimum spending limits in their terms.

Rewards cards in general, including United Airlines credit cards, typically require good to excellent credit. A FICO Score in the good range of 670 to 739 may be sufficient for a basic rewards card, but for the strongest rewards you can expect to need a score of 740 or higher.