United Gateway Card
Chase · VISA
The United Gateway Card is a credit card from Chase on the VISA network. It has an annual fee of $0. It earns 25% on travel, 2x on everything else, 2x on gas & fuel. The welcome offer is Earn up to 40,000 bonus miles after qualifying activities.
Key facts
- Annual fee
- $0
- Purchase APR
- 19.74% - 28.24% variable APR
- Intro APR
- 0% intro APR for 12 months from account opening on purchases
- Network
- VISA
- Welcome offer
- Earn up to 40,000 bonus miles after qualifying activities.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 25% | 25% on United inflight |
| Everything else | 2x | 2x on all other eligible |
| Gas & fuel | 2x | 2x on gas stations |
| Transport & transit | 2x | 2x on local transit and commuting including ride share services |
Benefits and perks
- Earn 2 checked bags each year, receive 25% back on United inflight and Club premium drink purchases, and earn unlimited miles with no annual fee.
- Earn up to 40,000 bonus miles after qualifying activities.
- NEW CARDMEMBER OFFER Earn up to 40,000 bonus miles Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. * Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open. * This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.
- EARN MILES Earn miles on United purchases 5x total miles on eligible United flights - 3x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Gateway Card. Mileage earning differs for Basic Economy or base option tickets. Premier members earn even more. * 2x miles on all other eligible United purchases. *
- EARN MILES Earn on all other travel and every day purchases 2x miles at gas stations. * 2x miles on local transit and commuting including ride share services, taxicabs, train tickets, tolls, and mass transit. * 1x mile on all other purchases. *
- TRAVEL PERKS Travel with United NEW! Save 10% or more on flights booked with miles after spending $10,000 in a calendar year. Premier members save even more. * Earn 2 checked bags after you spend $10,000 in a calendar year. * 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card. *
- INTRO OFFER Low intro APR 0% intro APR for the first 12 months from account opening on purchases. After that, a variable APR of 19.74 Min. of (6.75+12.99) and 29.99 %– 28.24 Min. of (6.75+21.49) and 29.99 %.
- ANNUAL FEE No annual fee Cardmembers can earn miles for purchases without an annual fee. Plus, no foreign transaction fees on purchases made with your Gateway Card outside the U.S.
Rates and fees
Annual membership fee: $0. Purchase APR: 19.74% - 28.24% variable APR, based on creditworthiness and the Prime Rate. Introductory purchase APR: 0% intro APR for 12 months from account opening on purchases.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the United Gateway Card
What is the annual fee on the United Gateway Card?
The United Gateway Card has an annual fee of $0.
What rewards does the United Gateway Card earn?
The United Gateway Card earns 25% on travel, 2x on everything else, 2x on gas & fuel, 2x on transport & transit.
Is the United Gateway Card worth it?
The United Gateway Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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