
Chase
United Gateway
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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.
| Category | Rate |
|---|---|
| GasGas | 2× |
| TransitTransit | 2× |
| Everything elseUnited Airlines | 2× |
| Everything elseAll Purchases | 1× |
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.
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
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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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.