0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: United MileagePlus Miles
Base Rate: 1x
Bonus Rate: 2x
Categories: 2x United Purchases, 2x Gas Stations, 2x Local Transit & Commuting
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: Star Alliance Airlines
Redemption Penalties: None (close-in booking fees largely eliminated)
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING30,000
Points/MilesRequirement: Spend $1,000 in 90 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 28.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: 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.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Bonus eligibility for the United Gateway card is restricted if you currently hold this specific card or have received a new cardmember bonus for the United Gateway card in the past 24 months. This rule is specific to the Gateway card and does not typically prevent eligibility for bonuses on other United co-branded cards (e.g., United Explorer, Quest, Club Infinite), though the Chase 5/24 rule still applies to all new applications.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
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:
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: 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
Approval Probability: 65.0%
Version Control
PENDINGVersion ID: 2024-01-15