What is the average credit score needed to get approved for the United Gateway Card?

To qualify for the United Gateway Card, a credit score above 690 is needed.

Does the United Gateway Card report to all three credit bureaus?

Yes, Chase sends your account information to Experian, TransUnion and Equifax.

Is the United Gateway Card application process lengthy? Can you prequalify?

Getting rejected or approved for Chase credit cards is usually instantaneous when you apply online. However, depending on your history, you may end up having to wait eight to 15 business days. While you can no longer prequalify for Chase cards online, you can still visit their brands to see if they have any offers.

What information is needed to apply for the United Gateway Card?

To apply for Chase credit cards, you need to register for an account using their online portal. You will have to provide your personal information such as your name, birth date and Social Security Number. You will also be asked to provide your contact information, such as your phone or email address.

Does the United Gateway Card have good customer service or satisfaction?

Chase was ranked highly in 2020 for customer service based on the <a href="https://www.jdpower.com/business/press-releases/2020-us-national-banking-satisfaction-study" target="_blank">J.D. Power 2020 U.S. National Banking Satisfaction Study</a>. It scored 684, outpacing the national average of 657.

Does the United Gateway Card have a mobile app or the option to pay or manage your account online?

You can access your account details online through the <a href="https://www.chase.com/digital/mobile-banking" target="_blank">Chase Mobile App</a>, which you can download on Android or iOS devices.

Does the United Gateway Card raise credit limits automatically or charge for limit increases?

Like most banks, Chase can increase your credit limit automatically if you practice good financial habits. You can also request an increase by calling the number on the back of your card. Online requests are not available at this time.

Does the United Gateway Card offer the option to freeze your credit/account or have other security features?

Chase’s security features are geared towards protecting your account from fraud. If Chase detects suspicious activity and cannot reach you, they may temporarily suspend your online activity. You can also lock or unlock your card through your online account.

Does Chase offer other credit cards besides the United Gateway Card?

Yes, Chase offers a suite of credit cards for travel, cash back or business. They currently have 24 personal cards and six business cards.

United Gateway Credit Card Review

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
This rewards card is great because it lets you earn one mile per $1 across all categories. Besides, spending across different categories gives you the ability to double the miles you earn.
When you use this card to pay for in-flight purchases on board a United flight, you earn 25% back, which amounts to a 25% discount.
It makes sense to use this card outside of the U.S. because it does not charge international transaction fees. Complimentary travel covers provide additional safety.
Pros
No annual fees
No foreign transaction fees
No blackout dates for redeeming miles
25% cash back on United in-flight purchases
Travel and purchase cover
Use for balance transfers

Cons
Penalty APR may apply if you make a late payment
High balance transfer and cash advance fees
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 MileagePlusAwards.com.
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.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated travel rewards cards.

WHY TRUST OUR REVIEWS

MoneyGeek follows a meticulous six-step process when reviewing credit cards to ensure accurate and fair rankings. We start by gathering data from the Consumer Financial Protection Bureau’s credit card database and standardizing data points on APR, annual fees and the like for ranking calculations. We then create average spend profiles based on the data and factor in any introductory bonuses before establishing the three-year value of each card. Monthly re-rankings are conducted in order to factor in any new updates to the card’s offer.

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.

>>MORE: CHASE ULTIMATE REWARDS: PROGRAM GUIDE

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 MileagePlusAwards.com.
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.

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.
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.
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.
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

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

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

sources

Chase. "Chase Customer Service." Accessed September 7, 2021.
Chase. "Chase Mobile Banking." Accessed September 7, 2021.
Chase. "Common questions about credit reporting." Accessed September 7, 2021.
Chase. "How we protect you." Accessed September 7, 2021.
Chase. "Pricing and Terms: United Gateway Card." Accessed September 7, 2021.
J.D. Power. "Capital One Ranks Highest in Customer Satisfaction in J.D. Power National Banking Study." Accessed September 7, 2021.

*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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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MoneyGeek’s Take

United Gateway Card Review

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