MaxRewards Logo
  • Home
Sign InSign Up
MaxRewards Logo

Join over 900,000 members maximizing their rewards

Download on Google PlayDownload on the App Store
  • Facebook
  • Instagram
  • TikTok
  • LinkedIn
App
  • Best Card
  • Offers
  • Benefits
  • Insights
  • Aggregation
  • Platinum
Resources
  • About
  • Changelog
  • Careers
  • Help Center
  • Contact Us
Travel & Perks
  • Best Travel Credit Cards
  • Best Premium Credit Cards
  • Best Airline Credit Cards
  • Best Hotel Credit Cards
  • Best Welcome Offer Credit Cards
Everyday Rewards
  • Best Cash Back Credit Cards
  • Best Restaurants Credit Cards
  • Best Groceries Credit Cards
  • Best Gas & EV Credit Cards
  • Best No-Annual-Fee Credit Cards
Credit & Needs
  • Best Beginner Credit Cards
  • Best Student Credit Cards
  • Best Business Credit Cards

© 2026 MaxRewards. All Rights Reserved.

Terms & ConditionsPrivacy Policy
  1. Credit Cards
  2. United Gateway℠ Card
Chase

United Gateway℠ Card

The United Gateway Card is built for occasional United flyers and daily commuters who want to accumulate airline miles without committing to an annual fee. It combines boosted rewards on airline purchases with bonus categories on gas and public transit, making it a low-risk way to earn MileagePlus miles.

Welcome Offer
Earn 40,000 bonus miles
Annual Fee
$0
Rec. Credit Score
Good
Good For
Casual United travelers and commuters
Learn MoreEstimate your value
United Gateway℠ Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the United Gateway℠ Card worth it?

This card is great for...

Casual United flights without an annual fee

Gas station and public transit spend

Inflight food and Wi-Fi savings

With no annual fee, the United Gateway Card is a straightforward pick for travelers who fly United a few times a year and want to build up miles through routine spend like gas, local transit, and rideshares. It comes with a solid introductory bonus, 25% savings on inflight food and Wi-Fi, and no foreign transaction fees, making it easy to keep long-term.

However, core airline perks like a complimentary checked bag and preferred boarding are locked behind a $10,000 annual spend requirement. Frequent United travelers will usually find more value in a paid card that delivers those travel benefits automatically on every flight.

MaxRewards

MaxRewards Verdict

This card works well as a fee-free way for casual flyers to earn United miles on daily transit and flights, though frequent travelers will miss standard airline perks like complimentary checked bags.

Welcome Offer

Earn 40,000 bonus miles

after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

Est. Value

$520

Required Spend

$1,000

Time Frame

3 Months

Est. Value

$520

Required Spend

$1,000

Time Frame

3 Months

Earning

Rewards

You earn MileagePlus miles on United purchases, gas stations, and daily transit, making it easy to build up an award balance through routine spending.

CategoryRate

United flights

6.5%

Gas stations, Local transit/commuting

2.6%

United purchases

2.6%

Everywhere

1.3%

Rewards percent based on a valuation of 1.3¢ per MileagePlus mile

Annual Credits & Perks

Benefits

While basic compared to paid travel cards, the benefit package offers useful inflight discounts, travel protections, and food delivery perks without an annual fee.

BenefitAnnual value
$10,000
$10,000
$40

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
United Gateway℠ CardCardmember award pricing after you spend $10,000 in a calendar year
Autotracked
$0 of $10,000Every 12 months

Benefits

Credits

25% back on United inflight and Club premium drink purchases

Enjoy 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights as well as on premium drink purchases at United Clubs when you pay with your United card.

Benefits

Insurance

Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.


Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.


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, up to four years from the date of purchase.


Roadside Assistance

If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.


Travel and Emergency Assistance

If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained).

Benefits

Status & Access

Complimentary DashPass membership

$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

19.99% - 28.49%

Variable

Transfer APR

19.99% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

None

For rates and fees of United Gateway℠ Card, please visit the Chase website.

Table of Contents

United Gateway℠ Card

United Gateway℠ Card

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from Chase

See all 49 cards
Sapphire Reserve for Business℠Sapphire Reserve for Business℠
Limited Time Offer

Earn 200,000 bonus points

Worth $3,000

After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

  • 7.5%12%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 7.5%7.5%Lyft Rides
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

Good

View card details
Air Canada Aeroplan®Air Canada Aeroplan®

115,000 Points

Worth $1,610

After you spend $4,000 on purchases on your new card in your first 3 months of card membership.

  • 7.5%1.4%Everywhere

Annual Fee

$195

Rec. Credit

Excellent

View card details
Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,500

After you spend $6,000 on purchases in the first 3 months from account opening.

  • 7.5%12%Purchases (Chase Travel), The Edit (Chase Travel)
  • 7.5%6%Flights, Hotels
  • 7.5%4.5%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

View card details