Maria Adams, Credit Cards Moderator
@m_adams
The only United Airlines credit card with no annual fee is the United Gateway℠ Card. There is also the United℠ Explorer Card, which comes with a $0 annual fee but only for the first 12 months. After that, the card’s annual fee jumps to $150.
If you’re willing to look outside of the United Airlines branded cards, there are plenty of other good airline credit cards that have no annual fee.
Notable Airline Credit Cards with No Annual Fee in 2026
- Best for United Airlines: United Gateway℠ CardLearn MoreLearn More
- Best for United Airlines: United Gateway℠ CardLearn MoreLearn Moreon issuer's website
- Best for United Airlines: United Gateway℠ CardLearn MoreLearn More
- Best for American Airlines: American Airlines AAdvantage® MileUp®Learn MoreLearn More
- Best for American Airlines: American Airlines AAdvantage® MileUp®Learn MoreLearn Moreon issuer's website
- Best for American Airlines: American Airlines AAdvantage® MileUp®Learn MoreLearn More
- Rates & Fees Terms ApplyBest for Delta: Delta SkyMiles® Blue American Express CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best for Delta: Delta SkyMiles® Blue American Express CardLearn MoreLearn Moreon issuer's website
- Best for Delta: Delta SkyMiles® Blue American Express CardLearn MoreLearn More
- Rates & Fees Best for Any Airline: Capital One VentureOne Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best for Any Airline: Capital One VentureOne Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Best for Any Airline: Capital One VentureOne Rewards Credit CardLearn MoreLearn More
- Best for United Airlines:
- Best for American Airlines:
- Best for Delta:
- Best for Any Airline:
Generally, airline rewards cards charge an annual fee because some of the rewards and benefits these cards offer are not cheap. Charging an annual fee allows the issuer to recoup some of the costs of those perks.
However, if you’re not a frequent traveler, or don’t plan to make any big purchases over the course of a year, sticking with a United Airlines credit card with no annual fee is probably the safer bet.
Popular United Credit Cards
-
Rewards
-
Discount
-
No Annual Fee
-
Club Membership / Lounge Access
People also ask
Is the United TravelBank Credit Card still available?
No, the United℠ TravelBank Credit Card is no longer available. The card was discontinued in 2020 and replaced with United Gateway℠ Card. The new offer is very similar to the original one, as it has a $0 annual fee and requires at least good credit for approval. The United Gateway Card has better rewards, however.
United Gateway Card Rewards
- Earn 30,000 bonus miles
- 2x miles on United® purchases
- 2x miles at gas stations, on local transit and commuting
- 1x mile on all other purchases
- 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
- Earn 10,000 bonus miles when you add an authorized user within the first 3 months of opening your account.
- 10% on flights booked with miles after spending $10,000 in a calendar year. Premier members earn even more.
- Earn 2 checked bags after you spend $10,000 in a calendar year
Overall, the United Gateway Card is a good card for people who want to earn airline miles without paying an annual fee.
read full answer by Peter Fox, WalletHub AnalystHow much are 12,000 reward points worth?
12,000 reward points are worth around $120, on average, but the exact value depends on which rewards program is offering the points and how you redeem them. In some cases, your reward points could be worth a lot more or a lot less. Below, you can find examples of how much 12,000 reward points are worth across various credit card, hotel and airline rewards programs.
How Much 12,000 Reward Points Are Worth
... read full answer by Adam McCann, Financial WriterHow much is the United Mileage Plus Card foreign transaction fee?
The First Hawaiian Bank United MileagePlus Credit Card foreign transaction fee is 0%. This means you won’t be subject to an additional charge whenever you use the First Hawaiian Bank United MileagePlus Credit Card outside of the United States. Whether it’s a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant, you won’t have to pay extra.
If you want to learn more, you can read our guide on foreign transaction fees. If you want to see what...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.