United Gateway Card

Earning Rates

Key Benefits

• 2x on United + transit + gas
• No annual fee
• No foreign tx fees
• 25% inflight rebate

All Benefits

• Welcome offer of 30,000 bonus miles after spending $1,000 on purchases in the first 3 months from account opening (current public offer per Chase issuer page and One Mile at a Time review)
• $0 annual fee with no first-year intro pricing required, making this the only no-annual-fee co-branded United MileagePlus credit card issued by Chase (per Chase issuer page and The Points Guy review)
• 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)
• 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)
• 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)
• 1x mile per dollar on all other eligible purchases not in a bonus category (per Chase issuer page)
• No foreign transaction fees on purchases made outside the United States (per Chase issuer page and The Points Guy review)
• Miles 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)
• Expanded 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)
• 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)
• Visa 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)
• Authorized users at no additional annual fee, with miles earned by authorized users posting to the primary cardmember's MileagePlus account (per Chase issuer page)
• Visa 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)
• Free first checked bag: Not offered on the United Gateway Card (Chase does not list a checked-bag benefit on the issuer product page; the free first checked bag for cardholder plus one companion is reserved for the United Explorer Card, United Quest Card, United Club Card, and United Club Infinite Card per Chase issuer pages and One Mile at a Time review)
• Priority boarding: Not offered on the United Gateway Card (Chase does not list Premier Access priority boarding on the issuer product page; Group 2 priority boarding is reserved for the Explorer, Quest, and Club tier co-brands per Chase issuer pages and One Mile at a Time review)
• United Club lounge access or one-time passes: Not offered (the card does not include any complimentary United Club passes or membership; 2 annual United Club one-time passes require the Explorer Card, partial Club discount requires the Quest Card, and unlimited United Club access requires the United Club Card or United Club Infinite Card per Chase issuer pages and One Mile at a Time review)
• Global Entry, TSA PreCheck, or NEXUS application fee credit: Not offered on the United Gateway Card (Chase does not list a Global Entry/TSA PreCheck credit on the issuer product page; the up to $120 application fee credit every 4 years requires the Explorer, Quest, Club, or Club Infinite Card per Chase issuer pages and One Mile at a Time review)
• Anniversary bonus miles or annual award flight discount: Not offered on the United Gateway Card (Chase does not list any anniversary miles or annual award discount on the issuer product page; the 5,000 anniversary miles benefit is reserved for the Quest Card and Club Infinite Card, and the 10,000-mile annual award discount at $20,000 calendar-year spend is an Explorer Card benefit per Chase issuer pages and One Mile at a Time review)
• 25% back on inflight food, beverage, and Wi-Fi statement credit: Not offered on the United Gateway Card (Chase does not list the 25% inflight discount on the issuer product page; this discount is reserved for the Explorer, Quest, and Club tier co-brands per Chase issuer pages and The Points Guy review)
• Premier Qualifying Points (PQP) earning toward MileagePlus Premier status: Not offered on the United Gateway Card (Chase does not list PQP earning on the issuer product page; 1 PQP per $20 spent is reserved for the Explorer, Quest, Club, and Club Infinite Cards per Chase issuer pages and One Mile at a Time review)
• Cell phone protection: Not offered on the United Gateway Card (Chase does not list cell phone protection on the issuer product page; cell phone protection is a Chase benefit on Ink Business cards and select co-brands such as the United Club Infinite Card, but is not extended to the United Gateway per Chase issuer page)
• Transfer partners: Not offered (the United Gateway Card is a MileagePlus co-brand; miles earned go directly to United MileagePlus and there are no Chase Ultimate Rewards or other point transfer options on this product per Chase issuer page)