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® purchases, at gas stations and on local transit and commuting

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

  • Earn 2 miles per $1 spent at gas stations

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

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

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-2x

  • 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

    0% intro APR on Purchases for 12 months

  • Ongoing APR

    APR: 16.74%-23.74% Variable APR

    Cash Advance APR: 25.24%, Variable

    Penalty APR: 29.99%, 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 
Learn more
Annual fee

$0

Annual fee

$99

Annual fee

$95

Regular APR

16.74%-23.74% Variable APR

Regular APR

16.24%, 20.24% or 25.24%, Variable APR

Rates & Fees

Regular APR

16.74%-23.74% Variable APR

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Gregory Karp

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

3.3

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Bonus categories

  • New cardholder bonus offer

  • Premium travel protections

Cons
  • Requires good/excellent credit

  • No free checked bags

  • Rewards have limited flexibility

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.