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Chase · united

United Gateway Card

3.9 / 5
United MileagePlus miles · Personal card

A fine no-fee way to keep United miles alive. The bag benefit requires $10,000 in annual spend, so most people should step up to the Explorer.

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At a glance

Issuer terms
Welcome bonus
30,000 miles
Spend $1,000 in 3 months
Annual fee
$0
Purchase APR
See terms
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

A fine no-fee way to keep United miles alive. The bag benefit requires $10,000 in annual spend, so most people should step up to the Explorer.

Verdict

Pros & cons

Pros

  • No annual fee, no foreign transaction fee
  • 2x on United, gas, and transit

Cons

  • No free checked bag by default
  • Modest earning and protections
Earnings

Earn rates

CategoryRateNotes
United purchases2x miles
Gas stations2x miles
Transit & commuting2x milesLocal transit and commuting.
All other purchases1x miles
Benefits

Key benefits

No-fee United miles

25% back on inflight purchases, and bag plus award discounts unlock after $10,000 annual spend.

Fit

Who this is best for

  • Occasional United flyers
  • Downgrade destination from Explorer or Quest
FAQ

Frequently asked questions

What is the United Gateway welcome bonus?
Earn 30,000 bonus miles after spending $1,000 on purchases in the first 3 months.
Does the United Gateway charge an annual fee?
No. The United Gateway has a $0 annual fee.
Does the United Gateway have a foreign transaction fee?
No. The United Gateway charges no foreign transaction fee, so it works well for international purchases.
What APR does the United Gateway charge?
The purchase APR is See terms variable.
Who is the United Gateway best for?
Occasional United flyers. Downgrade destination from Explorer or Quest.
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United Gateway Card

Spend $1,000 in 3 months
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Rates accurate as of June 10, 2026. Issuer terms.