United Gateway Card
No annual fee · 1x on everything else · no foreign transaction fees
Terms verified 2026-08-21 against issuer terms · welcome offer re-checked 2026-10-23
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Gas | 2x 2.5¢ per $1 |
uncapped |
| Transit | 2x 2.5¢ per $1 |
uncapped |
| Everything else | 1x 1.3¢ per $1 |
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 |
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. Bonus figure confirmed on the issuer's page 2026-10-23.
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? · how we got this
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
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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.