United Gateway℠ Card
Basic Information
Program ID: united-gateway-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:54
Last Scraped: 01/15/2026 12:56
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $30,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: United MileagePlus Miles
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x United Purchases, 2x Gas Stations, 2x Local Transit & Commuting
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire
Transfer Partners: Star Alliance Airlines
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the United Gateway Card in 2026 includes: 1. **Chase 5/24 Rule**: Applicants must not have opened 5 or more personal credit cards from any issuer in the past 24 months. 2. **Bonus Eligibility**: You are not eligible for the new cardmember bonus if you currently have the United Gateway card or have received a new cardmember bonus for the United Gateway card in the past 24 months. 3. **General Eligibility**: Applicants must be 18 years or older (19 in AL/NE), a US resident, and possess a good to excellent credit score (typically 690+) with sufficient income to support the credit line.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) patterns, rapid accumulation of credit limits across multiple Chase cards, sudden drastic changes in spending patterns, payment defaults, excessive account openings within a short period (even if under 5/24), abuse of return policies or chargebacks, and suspicious activity flagged by fraud detection systems.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
No annual fee, good for occasional United flyers, earns miles on everyday spending (gas, transit, groceries, dining), 25% back on in-flight purchases, no foreign transaction fees.
Top Negative Feedback:
Lower sign-up bonus and fewer travel benefits (e.g., no free checked bag) compared to premium United cards, miles can be challenging to redeem for high value without flexibility.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Southwest Rapid Rewards Plus Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $234.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 65.0%
Terms Version Control
Version ID: 2024-01-15