The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

  • United Gateway Card

    A great no-annual-fee rewards card for people who fly United

    • 1 Mile per $1Rewards Rate
    • 21.49% – 28.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

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The United Gateway Card is the newest addition to Chase’s line of United Airlines credit cards. Unlike most of its siblings, this card has no annual fee. The bonus categories are beneficial for frequent United flyers or commuters, as cardholders can get two MileagePlus miles per $1 spent on purchases at United Airlines, gas stations and local transit. All other purchases get one mile for every $1 spent. There’s no limit to the rate or how many miles you can get in a year.

United Gateway Card Overview

Despite its simplicity, the United Gateway Card is packed with value that any type of traveler can benefit from.


Quick Take

  • Pay no annual or international transaction fees.
  • Earn 2 miles per $1 on United purchases, at gas stations and on local transit and commuting.
  • Earn 1 mile per $1 on all other purchases,
  • Get 25% back in the form of a statement credit when you pay for food, beverages or Wi-Fi on board a United flight.
  • Redeem points for flight tickets via United or on any other Star Alliance network member airlines.
  • You may redeem your points to shop at
  • Use your miles to book any United flight without worrying about blackout dates.
  • Safeguard your travels through auto rental collision damage waiver and trip cancellation/trip interruption insurance.
  • Safeguard your purchases via purchase protection and extended warranty protection.
  • Earn up to 50,000 bonus miles each year by referring friends.

Important Card Details

While the United Gateway Card has no annual fees, it still comes with a number of potential charges to keep in mind prior to applying.

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    Purchase and Balance Transfer APR

    Purchases and balance transfers get a considerably high variable APR of 20.74% – 27.74%. This can change based on your creditworthiness and the market’s prime rate. Note that balance transfers also have a fee of $5 or 5% of the amount that’s transferred, whichever is greater. This means that if you transfer a balance of $1,000, you will get charged $50.

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    Cash Advance APR and Fees

    If you plan to use the cash advance feature, anticipate an APR of 29.24%, which also varies based on the market prime rate. This is relatively high, which does not make the United Gateway an ideal card for cash advances. Additionally, a fee of $10 or 5%, whichever is greater, applies to the amount of each transaction. This means that it costs $25 to get a cash advance of $500.

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    Penalty Fees and APRs

    For late or returned payments, an APR of 29.99% applies. This can remain in effect indefinitely but will depend on your unique circumstance. Both late payments and returned payments also have a fee of $40.

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    Annual Fee

    There is no annual fee for the United Gateway Card.

Additional Benefits

Apart from the rewards rate and sign-up bonus, the United Gateway Card has additional features that cardholders can appreciate.

  • 24/7 customer service: Chase offers 24/7 customer service through their phone line. They also accept operator relay calls for those who are deaf, hearing impaired or have a speech disability.
  • Account security: To protect your account, Chase has multiple authentication checks and uses 128-bit encryption technology to keep your details secure when you’re using their site. They also monitor your account for suspicious activity and alert you in case anything is unusual.
  • Contactless tap-to-pay: If there is a contactless symbol wherever you are making a purchase, you can simply tap to pay for an easy and secure checkout.
  • Travel insurance: United Gateway cardholders get trip cancellation and interruption insurance, which can reimburse you up to $1,500 per person or up to $6,000 per trip. There is also secondary car rental insurance, which protects against theft or collision.
  • Purchase protection:: Get 120-day coverage for new purchases against damage or theft up to $500 per claim with a $50,000 limit per account.

How the United Gateway Card Compares To Other Cards

The United Gateway Card is a beginner’s travel card. However, it does not offer the best rewards. Its lack of annual fees can be enticing, but a careful evaluation of the rewards that come with other travel cards may make their annual fees worth it. Ultimately, how the United Gateway Card weighs up against other cards depends on what you’re looking for.

In-Depth Credit Card Comparisons:
How the United Gateway Card Compares

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United Gateway Card

  • Regular APR: 20.74% – 27.74% variable
  • Annual Fee: None
  • Rewards Rate: Two miles per $1 for United Airlines purchases, gas station purchases and any transit expenses such as taxis, trains or ridesharing
  • Sign Up Bonus: Earn 30,000 miles on the first $1,000 spent within three months upon accounting opening
  • Mini Verdict: Best for occasional travelers who spend a lot on gas or transit
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Capital One Venture Rewards Credit

  • Regular APR: 20.24% – 28.24% variable
  • Annual Fee: None
  • Rewards Rate: Unlimited 1.25 miles per $1 on every purchase, every day
  • Sign Up Bonus: Earn 75,000 miles on the first $4000 spent within three months upon account opening
  • Mini Verdict: Best for earning miles on everyday purchases

Frequently Asked Questions

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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