- Sign-Up Bonus
- 5
- Spending Multipliers
- 3.5
- Credits & Features
- 1.5
- Fees
- 5
- Application
- 3.5
- Issuer
- NaN
Summary
04/05/2026: Chase has made several upgrades to the United Gateway card, such as increasing the sign-up bonus to 40K Miles, and adding a 10% discount on flights purchased with miles
- Sign-Up Bonus
- 5
- Spending Multipliers
- 3.5
- Credits & Features
- 1.5
- Fees
- 5
- Application
- 3.5
- Issuer
- NaN
The Chase United Gateway Card is a no-annual-fee airline credit card designed for casual United Airlines travelers who want to earn rewards while enjoying essential travel protections. Ideal for consumers who fly United occasionally or want a low-cost way to access airline perks, the card offers 1x point on all purchases, with added benefits including two free checked bags after $10,000 in annual spend, 25% back on in-flight purchases, auto rental collision damage waiver, and trip cancellation/interruption insurance up to $1,500 per person and $6,000 per trip. It also provides purchase protection up to $500 per claim and extended warranty coverage, while charging no foreign transaction fees, making it a practical choice for domestic and international travel. Overall, the United Gateway card is best suited for budget-conscious travelers seeking straightforward rewards and United-specific travel benefits without paying an annual fee.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
- Welcome bonus is only available if you don’t have this card and did not open this card in the last 24 months
- Consider having at least a credit history for 1 year
- Avoid applying for more than 2 Chase cards in 30 days
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- Up to $40 return payment fee
- 19.74% - 28.24% Variable APR
- 28.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 19.74% - 28.24% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)