United Gateway Card
| Annual fee | $0 Fact |
| Foreign transaction fee | None |
| Rewards currency | miles |
| Est. point value | 1.30¢ Estimate |
Last updated Aug 30, 2026
Checked Aug 30, 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: 40,000 milesView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Aug 2021 to May 2022 | 30,000 miles | $3,000 |
| May 2022 to Jun 2022 | 20,000 miles | $1,000 |
| Jun 2022 to Oct 2022 | 30,000 miles | $1,000 |
| Oct 2022 to Jul 2023 | 20,000 miles | $1,000 |
| Jul 2023 to Sep 2023 | 30,000 miles | $1,000 |
| Sep 2023 to Jan 2024 | 20,000 miles | $1,000 |
| Jan 2024 to May 2024 | 30,000 miles | $1,000 |
| May 2024 to Jun 2025 | 20,000 miles | $1,000 |
| Jun 2025 to Mar 2026 | 30,000 miles | $1,000 |
| Aug 2026 to now | 40,000 miles Best | $1,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. 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 |
Benefits & protections
Card factsComplimentary Visa Signature Concierge Service available 24 hours a day for event tickets, dinner reservations, gifts, and more.
After spending $10,000 on purchases in a calendar year, save 10% or more in miles on United/United Express award flights; Premier members save at least 15%.
Earn two standard checked bag certificates each calendar year after spending $10,000 on purchases with your United Gateway Card.
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.
News on this card
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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.