United Gateway℠ Card
on Chase's website
United Gateway℠ Card
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
| Learn more | ||
Annual fee$0 | Annual fee$99 | Annual fee$95 |
Regular APR16.74%-23.74% Variable APR | Regular APR16.74%-23.74% Variable APR | |
Intro APR0% intro APR on Purchases for 12 months | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
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.
