| Category | Rate | Type | Cap |
|---|---|---|---|
|
United Airlines Flights
5 total miles per $1 on eligible United flights: 3x miles on the primary cardmember's fare as a MileagePlus member plus 2x miles on the entire United purchase with the Gateway Card; mileage earning differs for Basic Economy tickets; Premier members earn even more.
|
5x | Miles | No cap |
|
All Other Eligible United Purchases
2 miles per $1 on all other eligible United purchases beyond airfare, such as United vacation packages, seat upgrades, and United gift cards purchased directly from United.
|
2x | Miles | No cap |
|
Gas Stations
2 miles per $1 spent at gas stations.
|
2x | Miles | No cap |
|
Local Transit and Commuting
2 miles per $1 spent on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
|
2x | Miles | No cap |
|
All Other Purchases
1 mile per $1 spent on all purchases not qualifying for a higher bonus rate; no cap on earning and MileagePlus miles never expire.
|
1x | Miles | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Intro APR on Purchases for 12 Months
New cardmembers receive a 0% introductory APR on purchases for 12 months from account opening; after the intro period, the variable purchase APR of 19.74%–28.24% applies.
|
Financial | 0% APR for 12 months |
|
Chase Pay Over Time
Eligible cardmembers can split purchases of $100 or more into equal monthly installments with a fixed monthly fee and no interest, with plan durations ranging from 3 to 24 months.
|
Financial | Fixed monthly fee, no interest |
|
No Annual Fee
The United Gateway Card carries no annual fee for either the primary cardmember or authorized users, making it free to hold indefinitely.
|
Financial | $0 annual fee |
|
No Foreign Transaction Fees
Purchases made outside the U.S. with the Gateway Card are not subject to foreign transaction fees, saving the typical 3% surcharge on international spending.
|
Financial | $0 foreign transaction fees |
|
Auto Rental Collision Damage Waiver (Secondary)
Decline the rental company's collision insurance and charge the entire rental to the card; coverage provides reimbursement for theft and collision damage for most rental vehicles. Coverage is secondary in the U.S. (personal auto insurance pays first) and may be primary outside the U.S.
|
Insurance | Complimentary (secondary in U.S.) |
|
Baggage Delay Insurance
Reimburses up to $100 per day for up to 3 days for essential purchases such as toiletries and clothing when baggage is delayed more than 6 hours.
|
Insurance |
Up to $100/day for 3 days
Up to $300
|
|
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.
|
Insurance | 1 additional year of warranty |
|
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
|
Insurance |
Up to $3,000 per covered traveler
Up to $3,000
|
|
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item.
|
Insurance |
Up to $500 per item for 120 days
Up to $500
|
|
Trip Cancellation and Interruption Insurance
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 due to sickness, severe weather, or other covered situations.
|
Insurance |
Up to $1,500/traveler, $6,000/trip
Up to $6,000
|
|
24/7 Concierge Service
Receive personalized 24/7 concierge assistance with travel needs, restaurant recommendations and reservations, gift arrangements, business services, and more; cardmember is responsible for costs of goods or services obtained.
|
Lifestyle | Complimentary (service costs apply) |
|
Complimentary DoorDash DashPass Membership
Receive one year of complimentary DashPass membership providing unlimited deliveries with $0 delivery fees and lower service fees on eligible DoorDash and Caviar orders; must activate by December 31, 2027.
|
Lifestyle | 12 months complimentary |
|
24/7 Dedicated Cardmember Service
Access to a dedicated customer service team 24 hours a day, 7 days a week for account inquiries, dispute resolution, and benefit questions.
|
Other | Complimentary |
|
Contactless Tap to Pay
The card supports contactless payment technology for faster and more secure checkout at any merchant displaying the Contactless symbol.
|
Other | Complimentary |
|
1x Miles on All Other Purchases
Earn 1 mile per $1 spent on all purchases not qualifying for a higher bonus rate; no cap on earning and MileagePlus miles never expire.
|
Rewards | 1x miles |
|
2x Miles at Gas Stations
Earn 2 miles per $1 spent at gas stations.
|
Rewards | 2x miles |
|
2x Miles on All Other Eligible United Purchases
Earn 2 miles per $1 spent on all other eligible United purchases beyond airfare, such as United vacation packages, seat upgrades, and United gift cards purchased directly from United.
|
Rewards | 2x miles |
|
2x Miles on Local Transit and Commuting
Earn 2 miles per $1 spent on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
|
Rewards | 2x miles |
|
5x Miles on Eligible United Flights
Earn 5 total miles per $1 on eligible United flights: 3x miles on the primary cardmember's fare as a MileagePlus member, plus 2x miles on the entire United purchase with the Gateway Card. Mileage earning differs for Basic Economy tickets; Premier members earn even more.
|
Rewards | 5x miles (3x MileagePlus + 2x card) |
|
24/7 Fraud Monitoring and Alerts
Chase monitors the account for suspicious activity around the clock and can notify the cardmember via text, email, or call if unusual purchases are detected.
|
Security | Complimentary |
|
Zero Liability Protection
Cardmembers are not held responsible for unauthorized charges made with their card or account information.
|
Security | Complimentary |
|
2 Free Checked Bags After $10,000 Annual Spend
Earn two complimentary checked bag certificates on United or United Express-operated flights after spending $10,000 in a calendar year with the Gateway Card; certificates are one-use and do not roll over.
|
Travel | 2 free checked bags after $10,000 spend |
|
25% Back on United Inflight and Club Premium Drink Purchases
Receive 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 paid with the Gateway Card.
|
Travel | 25% back as statement credit |
|
Cardmember Award Pricing (At Least 10% Off Miles) After $10,000 Spend
Save at least 10% when booking United or United Express award flights with miles after spending $10,000 in a calendar year; Premier members save at least 15%. Once unlocked, the benefit remains active through the end of the following calendar year.
|
Travel | At least 10% off miles redemptions after $10,000 spend |
|
Roadside Assistance
Access to roadside assistance dispatch services 24/7; cardmember is responsible for costs of the service provider.
|
Travel | Complimentary dispatch (service costs apply) |
|
Travel and Emergency Assistance Services
Access to 24/7 travel and emergency assistance services when traveling away from home, including emergency message relay, medical referrals, and legal referrals. Cardmember is responsible for costs of services arranged.
|
Travel | Complimentary (service costs apply) |
