United Gateway Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open, plus an additional 10,000 bonus miles after you add an authorized user in that same window (up to 40,000 total).
Benefits and fees last verified May 2026against the issuer's published terms.
30,000 MileagePlus miles once $1,000 of spend posts within your first 3 months, plus 10,000 more for adding an authorized user in that window. No annual fee.
- Annual fee
- No annual fee
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.
Earning Rates
At a glance
- 2x on United + transit + gas
- No annual fee
- No foreign tx fees
- 25% inflight rebate
Earning rates
4- 2xflights
2x miles per dollar on eligible United purchases including United-operated flights, Economy Plus, Inflight food/beverage/Wi-Fi, United Club memberships and day passes, and other United products and services (per Chase issuer page)
- 2xgas
2x miles per dollar at gas stations on purchases made at merchants classified as gas/service stations (per Chase issuer page and One Mile at a Time review)
- 2xtransit
2x miles per dollar on local transit and commuting, including rideshare services such as Uber and Lyft, taxicabs, tolls, trains, buses, and other commuter transportation (per Chase issuer page and One Mile at a Time review)
- 1xeverything else
1x mile per dollar on all other eligible purchases not in a bonus category (per Chase issuer page)
Statement credits
1- $25Visa Signature Luxury Hotel Collection benefits including best available rate guarantee, automatic room upgrade upon arrival when available, complimentary in-room Wi-Fi, complimentary continental breakfast for two, and a $25 food or beverage credit on stays at 900+ participating properties (per Visa Signature network reference)
Perks & memberships
5- No foreign feesNo foreign transaction fees on purchases made outside the United States (per Chase issuer page and The Points Guy review)
- Points longevityMiles earned are deposited directly into your United MileagePlus account, with MileagePlus miles that never expire while you remain a cardmember and no blackout dates on award bookings (per Chase issuer page)
- Status earningExpanded MileagePlus award availability: cardmembers have access to more saver-level award seats on United-operated flights than non-cardholders (per Chase issuer page and One Mile at a Time review)
- Authorized usersAuthorized users at no additional annual fee, with miles earned by authorized users posting to the primary cardmember's MileagePlus account (per Chase issuer page)
- Card networkVisa Signature card network tier (the United Gateway Card is issued as a Visa Signature product, which sets the baseline travel-protection and luxury-hotel benefits above) (per Chase issuer page)
Travel & purchase protections
8- Visa Signature trip cancellation and interruption insurance, reimbursing pre-paid non-refundable common-carrier fares up to $1,500 per person and $6,000 per trip when a covered trip is canceled or cut short by a covered reason such as covered illness or severe weather (per Chase Guide to Benefits for the United Gateway Card and Visa Signature network reference)
- Baggage delay insurance reimbursing essential purchases up to $100 per day for 3 days when checked baggage on a common carrier is delayed more than 6 hours (per Chase Guide to Benefits for the United Gateway Card and Visa Signature network reference)
- Lost luggage reimbursement covering checked or carry-on luggage lost or damaged by a common carrier, up to $3,000 per covered traveler (per Chase Guide to Benefits for the United Gateway Card and Visa Signature network reference)
- Auto rental collision damage waiver providing secondary coverage in the U.S. and primary coverage when renting outside your country of residence, when you decline the rental company's CDW and charge the entire rental to the card (per Chase Guide to Benefits for the United Gateway Card and Visa Signature network reference)
- Purchase protection covers eligible new purchases against damage or theft for 120 days from the date of purchase, up to $500 per claim and $50,000 per account (per Chase Guide to Benefits for the United Gateway Card and Visa Signature network reference)
- Extended warranty protection adds one additional year to eligible U.S. manufacturer warranties of 3 years or less, for total coverage up to 4 years from the date of purchase (per Chase Guide to Benefits for the United Gateway Card and Visa Signature network reference)
- Travel and emergency assistance services available 24/7 through Visa Signature, providing referrals for legal, medical, and other emergency services while traveling (cardholder pays for any third-party services rendered) (per Visa Signature network reference)
- Roadside dispatch pay-per-service program with a flat fee per call for standard services such as towing, jump-starts, tire changes, lockout service, and fuel delivery (per Visa Signature network reference)
Before you decide, weigh alternatives
This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.
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How to Earn the Bonus
Spend $1,000 in the first 3 months to earn the 30,000 miles bonus.
See the Current Offer
Earn 30,000 miles
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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