Chase· co-branded with United MileagePlus
United Gateway Card
Annual fee
$0
Welcome bonus
Up to 40,000 miles
Foreign txn fee
0%
(Direct link to issuer does not currently earn a commission on this card.)
Good to know before you apply
- The 30,000-mile welcome bonus requires $1,000 in 3 months - that's roughly $333/month, which is about as low-stakes as welcome bonus math gets, and the extra 10,000 miles for adding an authorized user in that same window is essentially free if you were planning to add one anyway, so don't leave it on the table.
- The 5x on United flights is a blended number - it's 3x from your MileagePlus membership plus 2x from the card, so if you're comparing earn rates across no-annual-fee cards, you're not getting 5x purely from swiping plastic, and the 2x card-only layer is the one that actually belongs to you.
- NO free checked bags without hitting a real spend threshold - the 2 free checked bags only unlock after $10,000 in calendar year purchases, which is the same bar as the 10% award flight discount, so both of the card's headline perks are gated behind the same number and neither one is passive.
- The 25% back on inflight purchases is a statement credit applied to food, beverages, and Wi-Fi on United-operated flights - it's a genuine recurring perk on a no-fee card and one of the few benefits here that doesn't require you to hit a secondary spend bar first.
- The 0% intro APR on purchases runs for the first 12 months from account opening - it's a real sweetener if you have a big purchase coming and want to spread payments, but the variable rate that kicks in after is meaningful, so this one rewards people who actually plan to pay it down before the window closes.
- The 2x on transit is broader than it looks - rideshare, tolls, train tickets, and mass transit all count, which means everyday commuter spend is quietly stacking MileagePlus miles on a card that costs you nothing to carry.
- Even at no annual fee, you get 25% back as a statement credit on United inflight food, beverages, and Wi-Fi - a small but genuine in-flight perk.
The United Gateway Card is the no-annual-fee entry ticket into United's MileagePlus ecosystem — solid for casual United flyers who want to earn 5x on United flights and bank a little extra with 2x at gas stations and on transit. Spend $10K in a calendar year and you'll unlock checked bags plus discounted award flights, making it surprisingly practical for a free card.
Welcome bonus
What you get for signing up and hitting the minimum spend.
Up to 40,000 miles · $1,000 spend in 3mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
Up to 40,000 miles · $1,000 spend in 3mo
Up to 40,000 milestotal. Here's how it breaks down:
- 30,000 miles after spending $1,000 in the first 3 months
- 10,000 miles more when you add an authorized user in the first 3 months (no extra spending required)
Earn rates
How many points per dollar across categories.
5 categories · top rate 5x
See the multipliers →
Earn rates
How many points per dollar across categories.
5 categories · top rate 5x
Card-level multipliers. Earn currency: United MileagePlus.
| Category | Rate | Channel | Notes |
|---|---|---|---|
| Flights | 5x | direct | 5x total miles on eligible United flights - 3x miles on Primary Cardmember's fare as MileagePlus member plus 2x on entire United purchase. Mileage earning differs for Basic Economy tickets. |
| United | 2x | direct | 2x miles on all other eligible United purchases (seat upgrades, Economy Plus, inflight food/beverages/Wi-Fi, baggage service charges, other United fees). |
| Gas stations | 2x | — | |
| Transit | 2x | — | Includes ride share services, taxicabs, train tickets, tolls, and mass transit. |
| All other purchases | 1x | — |
Other ways to earn these points
Programs that transfer into United MileagePlus — additional paths to top up your balance.
3 programs transfer in
See the inbound paths →
Other ways to earn these points
Programs that transfer into United MileagePlus — additional paths to top up your balance.
3 programs transfer in
You can transfer points into United MileagePlus from 3 other programs — useful if you want to combine balances from multiple loyalty currencies before booking.
| From | Ratio | Notes |
|---|---|---|
| Chase Ultimate Rewards | 1:1 | Chase Ultimate Rewards. Watch for periodic 25-30% transfer bonuses to MileagePlus. No transfer tax — Chase UR -> United is the cleanest transfer-in path for most US points-and-miles enthusiasts. |
| Bilt Rewards | 1:1 | Bilt Rewards. No transfer tax. Earn 1 point per dollar on rent (Bilt's signature feature) plus regular spend categories. |
| Marriott Bonvoy | 3:1 | Marriott Bonvoy. 60K Marriott = 30K MileagePlus - United gets a 10K bonus per 60K block (double the standard 5K). No transfer tax on Marriott side. |
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
Browse the portals →
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
Chase Experiences
Chase's cardmember-exclusive events portal --- dining series, chef collaborations, concerts, sports, cultural events. Open to all Chase consumer credit cardholders.
🔒 Access this perk through your cardmember account at the issuer's website or app.
United Card Events from Chasestandard
Chase x United cardholder-exclusive events: private dining, sports, concerts, behind-the-scenes United experiences. Available to Chase United cobrand cardholders only.
🔒 Access this perk through your cardmember account at the issuer's website or app.
Status accelerators
Perks that unlock at spending milestones.
2 benefits
See the details →
Status accelerators
Perks that unlock at spending milestones.
2 benefits
2 Free Checked Bags After $10K Spend
Earn 2 checked bags after you spend $10,000 in a calendar year.
Unlocks at $10,000 spend
10% Discount on Award Flights After $10K Spend
Save at least 10% on flights booked with miles after spending $10,000 in a calendar year. Premier members earn even more.
Unlocks at $10,000 spend
Statement credits
Bill credits and recurring perks that offset annual fees.
1 benefit
See the details →
Statement credits
Bill credits and recurring perks that offset annual fees.
1 benefit
25% Back on United Inflight Purchases
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card.
Other
Other perks on this card.
3 benefits
See the details →
Other
Other perks on this card.
3 benefits
0% Intro APR on Purchases
0% intro APR for the first 12 months from account opening on purchases. After that, a variable APR of 19.74%–28.24%.
Chase Pay Over Time
Split eligible purchases into monthly payments with a fixed fee instead of interest (My Chase Plan / Chase Pay Over Time).
No Foreign Transaction Fees
No foreign transaction fees on purchases made with your Gateway Card outside the U.S.