Chase
United GatewaySM Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Up to 40,000 bonus miles |
| Rewards Rate | 1x-5x miles on purchases |
| Intro APR | 0% intro APR for 12 months from account opening on purchases. |
| Regular APR | After the intro period, a variable APR of 19.74Min. of (6.75+12.99) and 29.99%–28.24Min. of (6.75+21.49) and 29.99%. |
| Other Fees | No foreign transaction fees on purchases made with your Gateway Card outside the U.S. |
| Network | Visa |
About this card
The United GatewaySM Card earns a solid overall rating of 3.8, placing it firmly in the 'Good' to 'Excellent' category, especially for its niche. Its primary strength and defining feature is the absence of an annual fee (rated 4.5 for Fees), which makes it an incredibly accessible entry point into the United MileagePlus program. Complementing this is a strong rewards program for a no-annual-fee card (rated 3.9), featuring a generous sign-up bonus and decent earning rates on United flights, gas, and transit. The 0% introductory APR on purchases for 12 months adds further value, allowing new cardmembers to manage spending interest-free for a period. Additionally, the card benefits from no foreign transaction fees, making it suitable for international travel, and is backed by the reputable issuer, Chase. However, the card's main drawback is its potentially high regular APR (rated 2.7), which can become very expensive if a balance is carried after the introductory period. While the rewards are good for its class, they are entirely tied to United, limiting redemption flexibility, and some key travel perks require a substantial $10,000 annual spend. Overall, the United Gateway Card offers excellent value for casual United flyers, those new to airline rewards, or individuals seeking to earn miles without the commitment of an annual fee, provided they can avoid carrying a balance and incurring the high regular interest rates.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Airline-specific perks
- Travel and purchase protections
Things to consider
- High regular APR
What this card offers
Sign-up bonuses
- Earn up to 40,000 bonus miles
- Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
- Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
Rewards
- 5x total miles on eligible United flights - 3x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Gateway Card. Mileage earning differs for Basic Economy or base option tickets. Premier members earn even more.
- 2x miles on all other eligible United purchases.
- 2x miles at gas stations.
- 2x miles on local transit and commuting including ride share services, taxicabs, train tickets, tolls, and mass transit.
- 1x mile on all other purchases.
Other features
- Save 10% or more on flights booked with miles after spending $10,000 in a calendar year. Premier members save even more.
- Earn 2 checked bags after you spend $10,000 in a calendar year.
- 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.
- No foreign transaction fees on purchases made with your Gateway Card outside the U.S.
- United Card Events from Chase and United MileagePlus Exclusive Events
- Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences.
- Through MileagePlus Exclusives, Cardmembers can use their miles to enjoy unique opportunities, such as exclusive multi-course dinners, sporting events, concerts, and behind-the-scenes experiences in United's operations facilities.
- Earning MileagePlus miles In addition to earning miles for purchases made with your card, you can earn miles by flying with United, United Express, Star Alliance and other airline partners. You can also earn miles from Mileage Plus partners for hotel stays and car rentals, online shopping, eGift card purchases and by using the MileagePlus X app to pay at your favorite restaurants and retailers.
- No blackout dates MileagePlus members can use miles to book any United-operated flight, any time, with no restrictions or blackout dates.
- MileagePlus miles don't expire
- Using MileagePlus miles Your miles can reward you with getaways, unique experiences, or things you love - anything from electronics to dinner at one of your favorite restaurants. Use them for flights on United and other airline partners, hotel stays, car rentals, merchandise, eGift cards and more.
- Auto Rental Coverage Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
- Trip Cancellation and Interruption Insurance You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
- Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Visa Concierge Get complimentary Visa Signature Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
- Extended Warranty Protection Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- Contactless - Just Tap To Pay For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
- Apply for a card, use it the same day Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments. After purchase: Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- At checkout: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time.
- Visa Signature card: Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Signature card or Visa Platinum card with different costs and/or benefits, or you may not receive a card.
Additional Notes
Offers may vary depending on where you apply, for example online or in a branch, and can change over time. This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months. United credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.