Chase
United GatewaySM Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% intro APR for 12 months from account opening on purchases. |
| Regular APR | After that, a variable APR of 19.74Min. of (6.75+12.99) and 29.99%–28.24Min. of (6.75+21.49) and 29.99%. |
| Network | Visa |
About this card
The United Gateway Card is a solid, no-annual-fee airline card that serves as a good entry point into the United MileagePlus program, with some notable limitations. The absence of an annual fee is a major strength, and the sign-up bonus offers a decent initial boost in miles. Rewards on United purchases, gas, and transit are useful for its target audience. However, the high regular APR range and limited rewards on everyday spending, coupled with the lack of substantial travel perks, hold it back from a higher rating. While the reputation is positive as a starter card, the card's value proposition is not compelling enough for frequent travelers. Therefore, an overall rating of 3.3 reflects a 'Good' card with some strengths and weaknesses.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Intro APR period
- Rewards on United purchases
- Rewards on gas and transit
- No foreign transaction fees
Things to consider
- High regular APR
- Limited rewards categories
What this card offers
Sign-up bonuses
- 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
- 7x total miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Gateway Card. 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
- 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.
- 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.
- 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.
- Spend Instantly: 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.
- 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.
- MileagePlus miles don't expire.
- No blackout dates: MileagePlus members can use miles to book any United-operated flight, any time, with no restrictions or blackout dates.
Additional Notes
Visa Signature: 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.