United Gateway℠ Card

United Gateway℠ Card

on Chase's website

United Gateway℠ Card

United Gateway℠ Card

United Gateway℠ Card

on Chase's website

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Card details

  • Earn 20,000 bonus miles

  • No annual fee

  • Earn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting

  • Earn 2 miles per $1 spent on United Airlines purchases

  • Earn 2 miles per $1 spent on local transit and commuting

  • Earn 1 mile per $1 spent on all other purchases

  • Earn 3 miles per $1 spent at grocery stores, on up to $1,500 per month through 9/30/2021

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-3x

  • Bonus offer

    Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 16.49% - 23.49% Variable APR

    Cash Advance APR: 24.99%, Variable

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

16.49% - 23.49% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Gregory Karp

Rating details

3.3

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • No foreign transaction fee

  • Earns miles

Cons
  • No free checked bags

  • No early boarding

The United Gateway℠ Card is a card aimed at occasional leisure flyers who often choose United Airlines.

It has an annual fee of $0, which means a free way to test out an airline card.

Ongoing rewards:

- 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting.

- 1 mile per $1 spent on all other purchases.

It’s a decent starter card to earn United’s MileagePlus frequent flyer miles. But given its lack of perks, such as free checked bags or early boarding, devoted United flyers might soon want to upgrade to a United card that offers more value, even if it comes with an annual fee.

For more information, see NerdWallet’s full review of the United Gateway℠ Card.