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United Gateway℠

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United Gateway℠
4.6

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

19.99% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2x MileagePlus miles on United purchases, gas, local transit and commuting, plus 1x mile on all other purchases.

1x - 2x Miles

Welcome Offer Earn 30,000 bonus miles after spending $1,000 in the first three months. Plus, earn 10,000 bonus miles after adding an authorized user to your account within the first three months of account opening.

40,000 Miles

Welcome Offer

  • Earn 30,000 bonus miles after spending $1,000 in the first three months.
  • Earn 10,000 bonus miles after adding an authorized user to your account within the first three months of account opening.
  • 7x Miles on United Flights: Earn 5x miles as a MileagePlus member and 2x miles with the United Gateway Card.
  • 3x Miles on Hotel Stays Booked Through United Hotels: Earn 2x miles as a MileagePlus member and 1x mile with the United Gateway Card.
  • 2x Miles on All Other United Purchases.
  • 2x Miles at Gas Stations.
  • 2x Miles on Local Transit and Commuting.
  • 1x Mile on All Other Purchases.
  • Annual Fee: None.
  • Foreign Transaction Fees: None.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Regular APR: After the introductory period, a variable APR of 19.99% - 28.49% applies to purchases and balance transfers.
  • Redeem Miles: Use your MileagePlus miles for travel on United or to enhance your travel with upgrades, inflight Wi-Fi, hotel stays, car rentals, and much more. MileagePlus miles do not expire.
  • 25% Back on United Inflight and Club Premium Drink Purchases: Receive 25% back as a statement credit on United inflight and Club premium drink purchases.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • 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.
  • Travel Benefits: Include Auto Rental Collision Damage Waiver and Trip Cancellation and Interruption Insurance.
  • Luxury Hotel & Resort Collection: Receive complimentary Cardmember benefits at luxury hotels and resorts worldwide.
  • DoorDash: Get a one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After the first year, you will be automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
  • Exclusive Cardmember Events: Use miles or make purchases for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.
  • Visa Concierge: Enjoy complimentary Visa Signature® Concierge Service 24/7.
  • Additional Features: Include digital wallets and contactless checkout.
  • Click ‘Apply Now’ to see the full terms and conditions.
The United Gateway℠ Card is ideal for occasional United Airlines travelers or those seeking a straightforward card with no annual fee. It offers several attractive benefits, including no foreign transaction fees, 2x miles on United purchases, gas stations, local transit, and commuting, a generous sign-up bonus, and 0% intro APR for the first 12 months on purchases. The card also provides valuable perks such as complimentary DoorDash DashPass for a year, 25% back on United inflight and Club premium drink purchases, and various purchase and travel protections. It's a solid choice for those seeking entry-level rewards without a high annual fee or complex requirements.