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  1. Credit Cards
  2. United Gateway℠ Card
Chase

United Gateway℠ Card

The United Gateway Card is built for occasional United travelers who want to earn MileagePlus miles on daily expenses without paying an annual fee. It blends earnings on transit and gas with elevated miles on United bookings and practical travel protections.

Welcome Offer
Earn 30,000 bonus miles
Annual Fee
$0
Rec. Credit Score
Good
Good For
Casual United flyers
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...

Occasional United flights

Gas and transit spending

Inflight food and Wi-Fi discounts

For casual United travelers who avoid annual fees, the United Gateway Card offers a simple entry point into the MileagePlus ecosystem. You earn solid return on United purchases, gas, and commuting, alongside a 25% discount on onboard food, drinks, and Wi-Fi. Because it charges no foreign transaction fees and includes secondary auto rental insurance plus trip cancellation coverage, it functions well as a low-risk travel card.

However, frequent flyers will likely outgrow it quickly. Key perks like a free checked bag and expanded award pricing are locked behind a $10,000 annual spend threshold. If you fly United more than once or twice a year, a mid-tier card with an annual fee usually yields far more value through automatic bag privileges and better redemption perks.

MaxRewards

MaxRewards Verdict

This card is ideal for casual United passengers who want to earn miles on everyday commutes without an annual fee, but frequent flyers will miss automatic bag privileges.

Welcome Offer

Earn 30,000 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

$390

Required Spend

$1,000

Time Frame

3 Months

Est. Value

$390

Required Spend

$1,000

Time Frame

3 Months

Earning

Rewards

You will earn MileagePlus miles on everyday purchases like gas and commuting, alongside boosted earnings on United bookings.

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

Despite having no annual fee, this card includes useful travel protections and inflight savings for United trips.

BenefitAnnual value
$10,000
$10,000

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.


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.


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.


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.


Trip Cancellation / Interruption Insurance

You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.

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

19.74% - 28.24%

Variable

Transfer APR

19.74% - 28.24%

Variable

Cash Advance APR

28.49%

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.

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Earn 200,000 bonus points

Worth $3,000

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Rec. Credit

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Worth $1,610

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Rec. Credit

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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 (Booked Direct), Hotels (Booked Direct)
  • 7.5%4.5%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

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