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Chase

United GatewaySM Card

TravelAirlineNo Annual FeeIntro OfferNo Foreign Transaction FeesZero Intro APRGas

Key Features

Annual Fee$0.00
Intro APR0% intro APR for 12 months from account opening on purchases.
Regular APR
After that, a variable APR of 19.74%–28.24%.
NetworkVisa
Read the full review
Best for those with
Good Credit

About this card

The United Gateway Card earns an overall rating of 3.5, placing it in the 'Good' category. This assessment reflects a balanced consideration of its strengths, most notably the absence of an annual fee and decent sign-up bonus, against its weaknesses, such as the high APR range and relatively limited rewards structure. The card serves its intended audience—those new to airline rewards or infrequent United flyers—reasonably well. Its positive reputation as a no-annual-fee entry point to the United MileagePlus program further supports this rating. While it lacks the premium travel benefits and higher earning potential of cards with annual fees, it offers a solid value proposition for those seeking a basic airline rewards card without the commitment of an annual fee.

3.5
Overall Rating

Pros & Cons

What's great

  • No annual fee
  • Intro APR period
  • Generous sign-up bonus
  • 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 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 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

  • NEW! Save at least 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.
  • 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. Sample select wines and satisfy your palate with culinary events at some of the world's best restaurants, meet a sporting legend or make memories with your family.
  • MileagePlus members can use miles to book any United-operated flight, any time, with no restrictions or blackout dates.
  • MileagePlus miles never expire.
  • 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.
  • 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.
  • 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.
  • 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 (formerly My Chase Plan): 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.

Additional Notes

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.

Ratings

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3.7
2.7
4.5