United Gateway℠
Apply now
On Chase's Secure Website
4.7
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
21.49% - 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 20,000 bonus miles after you spend $1,000 on purchases within the first three months of account opening.
20,000 Miles
- Welcome offer: Earn 20,000 bonus miles after you spend $1,000 on purchases within the first three months of account opening.
- 5,000 Bonus Miles for an Authorized User: Earn 5,000 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 21.49% - 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.