Review
Chase United Gateway℠ Card Review: No-Annual-Fee United Rewards for Casual Flyers
Discover if the United Gateway℠ Card is your perfect no-annual-fee entry into United MileagePlus. We break down its valuable sign-up bonus, 0% intro APR, and how casual flyers can maximize miles and in-flight savings.
| Annual Fee | $0.00 |
| Sign-up Bonus | Up to 40,000 bonus miles |
| Rewards Rate | 1x-5x miles |
| Intro APR | 0% intro APR for 12 months from account opening on purchases. |
| Regular APR | After that, a variable APR of 19.74%–28.24%. |
Overview
Pros & Cons
What's great
- No annual fee
- Intro APR period on purchases
- Generous sign-up bonus
- No foreign transaction fees
- Accelerated rewards on airline and select everyday purchases
- Travel and purchase protection benefits
Things to consider
- High regular APR
- Rewards are heavily focused on a single airline
- Key travel perks require significant annual spending
Benefits
Drawbacks
Decision Guidance
Summary
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 ma...