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United Gateway credit card

Chase

United Gateway

gas 2xtra 2x
credit

Hover to explore — real card art from our catalog

40,000 pts welcome offercreditNo annual fee

Card review

United Gateway

Chase

Last updated October 11, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.

Annual fee

$0

Welcome bonus

40,000 pts welcome offer

Est. net value

$415/yr

Credit score

Varies

Top earn rate

2x gas

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The United Gateway from Chase carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $414.96 in rewards plus $0.00 in credits and perks — $414.96 net per year before welcome bonuses.

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate
GasGas2×
TransitTransit2×
Everything elseUnited Airlines2×
Everything elseAll Purchases1×

Welcome offer

40,000 points

  • Spend $1,000 in 90 days
  • Est. value: $400 (WalletFlo catalog)

Credits & benefits

Statement credits and perks we model in net-value calculations.

Benefits & perks

  • Inflight & Club Purchase Credit

    25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks.

  • First Checked Bag Certificates

    Earn two first standard checked bag certificates after spending $10,000 on purchases in a calendar year.

  • Award Flight Discount

    Save 10% or more on flights booked with miles after spending $10,000 in a calendar year.

  • Auto Rental Collision Damage Waiver

    Provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.

  • Trip Cancellation/Interruption Insurance

    Reimbursement 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 covered situations.

  • Purchase Protection

    Covers 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.

  • No Foreign Transaction Fees
  • Visa Concierge Service

    Complimentary Visa Signature® Concierge Service 24 hours a day.

  • United Card Events & MileagePlus Exclusives
  • Refer-A-Friend Bonus

    Earn 10,000 bonus miles for each friend that gets approved for any United MileagePlus® Card, up to 100,000 bonus miles per year.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

No annual fee

This card has no annual fee

Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.

WalletFlo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward calculator

Model this card on your spend — adjust categories and compare with others.

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Frequently asked questions

What credit score do I need?
Issuers generally look for good-to-excellent credit; exact thresholds vary.
Is the annual fee worth it?
There's no annual fee — focus on whether the earn rates beat cards you already carry.

Ready to apply?

United Gateway

Apply now