United Gateway
Chase
United Gateway
Offer Strength
Standard$70 above typical value
Show breakdown
Estimated bonus value: ~$420
Base score: 40
Current $420 vs typical $350
Net value after annual fee: ~$420
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
United Gateway
Welcome Offer
Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
United family rules
Chase United cards appear to have a 48-month per-product bonus cooldown. Cross-product bonuses are allowed.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
2x miles on United purchases (up to 7x total with MileagePlus)
2x miles on local transit and commuting
1x miles on all other purchases
Key benefits
25% back on United in-flight food, beverages, and Wi-Fi
25% back on United in-flight food, beverages, and Wi-Fi
2 free checked bags after $10,000 annual spend
2 free checked bags after $10,000 annual spend
No foreign transaction fees
No foreign transaction fees
0% intro APR for 12 months on purchases
0% intro APR for 12 months on purchases
Perks
No annual fee
No annual fee
No foreign transaction fees
No foreign transaction fees
Purchase protection and extended warranty
Purchase protection and extended warranty
Good fit for
About this card
The Chase United Gateway is a airline rewards card with no annual fee. New cardholders can earn 30,000 miles after spending $1,000 in 90 days.
Best for
credit card beginners, occasional travelers, frequent flyers
Key considerations
No annual fee makes this easy to keep long-term. Subject to Chase 5/24 rule — plan application timing.
Card analysis
Offer analysis
The current offer on the United Gateway awards 30,000 miles after spending $1,000 within 90 days of account opening.
Annual fee value
The United Gateway has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the united product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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