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United Gateway (Service Mark) Credit Card

United GatewaySM Credit Card

United Gateway (Service Mark) Credit Card

Earn 20,000 bonus miles

2x miles on United purchases

25% on United inflight and Club premium drink purchases

New cardmember offer

Earn 20,000 bonus miles

after qualifying purchases.* Opens offer details overlay

At a glance

Start your adventure with 2x miles on United purchases, at gas stations and on local transit and commuting.* Opens offer details overlay Plus, 25% back on United inflight and Club premium drink purchases,* Opens offer details overlay and no foreign transaction fees Opens pricing and terms in new window.

Interest Rate

0% intro APR for 12 months from account opening on purchases. Opens pricing and terms in new window After the intro period, a variable APR of 21.99%–28.99%, Opens pricing and terms in new window see pricing and terms for more details. Opens pricing and terms in new window

Travel Credit Card Rewards
& Benefits

NEW CARDMEMBER OFFER

Earn 20,000 bonus miles

after you spend $1,000 on purchases in the first 3 months your account is open.* Opens offer details overlay

Plus, earn 5,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.* Opens offer details overlay

This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

INTRO OFFER

Low intro APR

0% intro APR for the first 12 months from account opening on purchases. Opens pricing and terms in new window After that, a variable APR of 21.99%–28.99%. Opens pricing and terms in new window

ANNUAL FEE

No annual fee

Cardmembers can earn miles for purchases without an annual fee. Opens pricing and terms in new window

EARN MILES

Earn up to 7x miles on United purchases

7x total miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Gateway Card. Premier® members earn even more.* Opens offer details overlay

3x total miles on hotel stays booked through United Hotels - 2x miles from United as a MileagePlus member, plus 1x mile earned with the United Gateway Card.* Opens offer details overlay

2x miles on all other United purchases.* Opens offer details overlay

EARN MILES

Earn on all other travel and every day purchases

2x miles at gas stations.* Opens offer details overlay

2x miles on local transit and commuting including ride share services, taxicabs, train tickets, tolls, and mass transit.* Opens offer details overlay

1x mile on all other purchases.* Opens offer details overlay

TRAVEL PERKS

Even more travel
benefits for you to enjoy

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card.* Opens offer details overlay

No foreign transaction fees on purchases made with your Gateway Card outside the U.S.* Opens offer details overlay

Explore Additional
Benefits

 

25% back on United inflight and Club
premium drink purchases

You'll get 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card.* Opens offer details overlay

No foreign transaction fees

Purchases made with your Gateway Card outside the U.S. will not be subject to foreign transaction fees. Opens pricing and terms in new window For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

United Card Events from Chase and United MileagePlus Exclusive Events

Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences. Sample select wines and satisfy your palate with culinary events at some of the world's best restaurants, meet a sporting legend or make memories with your family. Please visit UnitedCardEvents.com to learn more.

Through MileagePlus Exclusives, Cardmembers can use their miles to enjoy unique opportunities, such as exclusive multi-course dinners, sporting events, concerts, and behind-the-scenes experiences in United's operations facilities. Visit united.com/cardevents to learn more.

Earning MileagePlus miles

In addition to earning miles for purchases made with your card, you can earn miles by flying with UnitedSM, United Express®, Star Alliance and other airline partners. You can also earn miles from Mileage Plus partners for hotel stays and car rentals, online shopping, eGift card purchases and by using the MileagePlus X app to pay at your favorite restaurants and retailers. Maximize your mileage earning power when you use your card to pay at MileagePlus partners. You'll earn miles for card purchases plus the miles offered from the partner. See united.com/earn for details on earning miles.

No blackout dates

MileagePlus members can use miles to book any United-operated flight, any time, with no restrictions or blackout dates.* Opens offer details overlay For more information, please visit united.com/AirAwards.

MileagePlus miles don't expire

MileagePlus miles never expire. This MileagePlus program benefit gives you a lifetime to use your miles on flights and much more.

Using MileagePlus miles

Your miles can reward you with getaways, unique experiences, or things you love - anything from electronics to dinner at one of your favorite restaurants. Use them for flights on United and other airline partners, hotel stays, car rentals, merchandise, eGift cards and more. See united.com/UseMiles for details on using miles. Chase Cardmembers can also use miles they've earned with their card to receive a statement credit for United ticket purchases and their annual card membership fee.

You're covered with built-in benefits

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.** Same page link to disclaimer

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by covered situations like sickness or injury.** Same page link to disclaimer

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.** Same page link to disclaimer

Visa Concierge

Get complimentary Visa Signature® Concierge Service 24 hours a day.* Opens offer details overlay Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.** Same page link to disclaimer

** Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactless Opens in a new window.

Apply for a card, use it the same day

Receive instant access to your card by adding it to a digital wallet, like Apple Pay®, Google Pay or Samsung Pay. Find out how at chase.com/digital/spend-instantly Opens in a new window.

DoorDash

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.* Opens offer details overlay

Chase Pay Over Time* Opens offer details overlay lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:

After purchase (formerly My Chase Plan®): Pay off an eligible purchase you've already made of $100 or more* Opens offer details overlay in smaller, equal monthly payments. No interest - just a fixed monthly fee Opens pricing and terms in new window with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.

At checkout: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more* Opens offer details overlay using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.

Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.

For more information on Chase Pay Over Time features, please visit chase.com/chasepayovertime Opens in a new window.