United Gateway Card
| Annual fee | $0 Fact |
| Foreign transaction fee | None |
| Rewards currency | miles |
| Est. point value | 1.20¢ Estimate |
Last updated Oct 17, 2026
Checked Oct 13, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 50,000 milesView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to May 2022 · 7 mo | 30,000 miles | $3,000 |
| May 2022 to Jun 2022 · 1 mo | 20,000 miles | $1,000 |
| Jun 2022 to Oct 2022 · 4 mo | 30,000 miles | $1,000 |
| Oct 2022 to Jul 2023 · 9 mo | 20,000 miles | $1,000 |
| Jul 2023 to Sep 2023 · 3 mo | 30,000 miles | $1,000 |
| Sep 2023 to Jan 2024 · 4 mo | 20,000 miles | $1,000 |
| Jan 2024 to May 2024 · 4 mo | 30,000 miles | $1,000 |
| May 2024 to Jun 2025 · 13 mo | 20,000 miles | $1,000 |
| Jun 2025 to Oct 2026 · 16 mo | 30,000 miles | $1,000 |
| Aug 2026 to Oct 2026 · 1 mo | 40,000 miles | $1,000 |
| Oct 2026 to Oct 2026 · 16 days | 50,000 miles Best | $1,000 |
| Oct 2026 to Oct 2026 · 9 days | 40,000 miles plus Authorized user addition bonus | $1,000 |
| Oct 2026 to now · 6 days | 40,000 miles plus 10,000 bonus miles for adding an authorized user | $1,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Transit and rideshare | 2x | miles | No cap |
| Gas and EV charging | 2x | miles | No cap |
| Brand purchases | 2x | miles | No cap |
| Everything else | 1x | miles | No cap |
Certificates
Estimated value| 2 x Checked bag certificates after $10,000 spend Standard checked bags |
after $10,000 spend |
Benefits & protections
Card factsEligible primary Cardmembers without MileagePlus Premier status book award flights on United or United Express with at least 10% fewer miles, and those with Premier status with at least 15% fewer miles, after spending $10,000 or more on purchases in a calendar year.
Complimentary Visa Signature Concierge Service available 24 hours a day for event tickets, dinner reservations, gifts, and more.
Earn two first standard checked bags on United- or United Express-operated flights after spending $10,000 on purchases with your United Gateway Card in a calendar year.
Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.
Decline the rental company's collision insurance and charge the entire rental cost to your card for reimbursement of theft and collision damage; coverage is secondary to personal insurance in the U.S.
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item.
Reimbursement up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if a trip is canceled or cut short by sickness, severe weather, or other covered situations.
Earn 10,000 bonus miles for each friend approved for any United MileagePlus Card, up to 100,000 bonus miles per year.
Authorized users on the United Gateway
Card factsAuthorized users are free.
Each authorized user gets
- Auto rental collision coverage
- Extended warranty protection
- Purchase protection
- Trip cancellation and interruption insurance
Shared across the account
- Back on United inflight and Club purchases
News on this card
-
Article Aug 30, 2026Now on The Points Pro: 10 new cards
New cards just joined The Points Pro: see what they earn and credit back, then add yours to your wallet.