Chase
United Gateway Card
Estimated value every year on typical spending
$370/ year
Every year, after the annual fee. Year one adds a $440 welcome bonus: $810
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Chase United Gateway Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $370 a year on typical spending. The welcome bonus adds roughly $440 in the first year.
The fine print
- Intro APR
- 0% for the first 12 months
- Regular APR
- 19.99% to 28.49% variable
- Foreign fee
- None
- Top perk
- 2 checked bags each year
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 5x total miles on eligible United flights
- 2x miles on all other eligible United purchases
Sign-up bonus
40,000 bonus miles after qualifying activities.
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; Large welcome bonus ↔ higher spend requirement; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 12 months
- Regular APR
- 19.99% to 28.49% variable
- Balance transfer fee
- None
- $200/mo on gas earns about $53/year (2.2x).
- $1200/mo on everyday spending earns about $158/year (1.1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
United Gateway Card: questions people ask
Is the Chase United Gateway Card worth it?
With no annual fee, the Chase United Gateway Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $370 a year on typical spending. The welcome bonus adds roughly $440 in the first year.
What is the Chase United Gateway Card annual fee?
The Chase United Gateway Card has no annual fee ($0).
What is the Chase United Gateway Card welcome bonus?
Earn up to 40,000 bonus miles after qualifying activities. We value it at about $440. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Chase United Gateway Card earn?
5x total miles on eligible United flights. 2x miles on all other eligible United purchases.
What credit score do you need for the Chase United Gateway Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Chase United Gateway Card charge foreign transaction fees?
No. The Chase United Gateway Card has no foreign transaction fee.
Does the Chase United Gateway Card have a 0% intro APR?
0% for the first 12 months. After that the regular APR is 19.99% to 28.49% variable.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Chase product page. Terms change often; confirm them with the issuer before you apply.