United Gateway Card
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Gas | 2x | uncapped |
| Transit | 2x | uncapped |
| Everything else | 1x | uncapped |
| Flights at United only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
2x | uncapped |
See how it ranks: best gas cards · best transit cards.
Signup bonus: 40,000 points after $1,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Non-cash perks
- 2 free standard checked bag certificates per calendar year after $10,000 in card spend (primary Cardmember, deposited to MileagePlus account, United/United Express-operated flights only)
- 25% back statement credit on inflight food, beverages, Wi-Fi purchases on United/United Express flights and United Club premium drink purchases (uncapped, posts within 24 hours)
- 10% or more mileage discount on award flights booked with miles after $10,000 calendar-year spend (Premier members save more)
- No blackout dates on United-operated award flights
- MileagePlus miles never expire
- Auto rental collision/theft coverage (secondary in the U.S.)
- Trip Cancellation and Interruption Insurance up to $1,500 per traveler / $6,000 per trip
- Purchase Protection up to $500 per item, 120 days from purchase
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Comparing cards in the same currency? See the best cards that earn United miles →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com. Spot an error? Tell us.