【October 1, 2026 update】 Best-ever 50,000-mile welcome offer:

  • Spend $1,000 in the first 3 months for 40,000 miles
  • Add one authorized user in the first 3 months for 10,000 miles

Apply through the official Chase website 🔗

Highlights

  • $0 annual fee on the primary card, and no foreign transaction fee.
  • Earn 2x United MileagePlus miles on eligible purchases made directly with United, at gas stations, and on local transit and commuting.
  • After $10,000 in eligible calendar-year spending, receive two standard checked-bag certificates and unlock Cardmember Award Pricing.
  • Includes auto rental collision/theft coverage, trip cancellation and interruption insurance, extended warranty, and purchase protection.
United Gateway Card

Issuer: Chase
Payment network: Visa
Type: Credit card
Annual fee: $0 for the primary card
Foreign transaction fee: None

Rewards are earned as United MileagePlus miles. After each billing cycle ends, miles from eligible card purchases are automatically deposited into the linked MileagePlus account.

Welcome Offer

【September 13, 2026 update】 Best-ever 40,000 United MileagePlus miles + 12 months 0% intro APR:

  • Spend $1,000 in eligible purchases within the first 3 months of account opening: 30,000 miles. Miles typically post to the MileagePlus account in 6–8 weeks after you qualify; the account must be open and in good standing when the bonus is issued.
  • Add the first authorized user within the first 3 months of account opening: an extra 10,000 miles. Each account is rewarded only once for the first authorized user added, and that authorized user must still be on the account when the bonus is issued.
  • Current cardmembers, or previous cardmembers who received this card’s new-cardmember bonus within the past 24 months, are not eligible for the above offer. If the account is not open for at least 6 months, Chase and United reserve the right to deduct the bonus miles from the MileagePlus account.

Apply via our referral link 🔗

Past welcome offers

【April 2026 update】 Best-ever 40,000-mile welcome offer:

  • Spend $1,000 in the first 3 months for 30,000 miles
  • Add one authorized user in the first 3 months for 10,000 miles

【October 2023 update】 30,000 miles + 12 months 0% intro APR:

  • Spend $1,000 in the first 3 months for 30,000 miles

Everyday Spending

2x: United tickets purchased directly from United, seat upgrades, Economy Plus, inflight food/beverages/Wi-Fi, baggage service charges and other United fees, plus United Card Events from Chase. Does not apply to United Cruises, MileagePlus X, DIRECTV, Merchandise Awards, or United tickets bought through some discount travel sites or third-party packages.

2x: Gas stations, and local transit and commuting purchases, including rideshare, taxis, train tickets, tolls, and public transit. Whether a transaction qualifies depends on the merchant category code; purchases through third-party payment accounts, mobile card readers, or digital wallets that are not processed in the matching category may not earn the bonus.

1x: All other eligible purchases. Balance transfers, cash advances, cash-like transactions, gambling, person-to-person transfers, interest, fraudulent transactions, and fees of any kind (including the annual fee) do not earn miles.

Benefits & Insurance

  • Cardmember Award Pricing

After $10,000 in eligible purchases in a calendar year on this card, the primary cardmember can book United or United Express award flights with their own MileagePlus account at Cardmember Award Pricing. General members typically use at least 10% fewer miles than members without a qualifying card; Premier members at least 15%. Does not apply to Money + Miles, cash tickets, or other redemption products. Pricing activates within up to 4 weeks after you qualify and remains in effect through the end of the qualifying calendar year and the following calendar year.

  • Two Checked Bag Certificates

After $10,000 in eligible calendar-year spending, you can receive up to two standard checked-bag certificates, which usually deposit into the MileagePlus account 6–8 weeks after you qualify. To redeem, the primary cardmember must sign in to their MileagePlus account, purchase the ticket with this card, enter their MileagePlus number in the booking, and apply the bag certificate at checkout. Valid only on United- or United Express-operated flights; not valid on codeshares. Certificates expire 12 months from the issue date. Oversized, overweight, or extra bag fees may still apply.

  • 25% Back on United Inflight and Club Premium Drink Purchases

Pay with this card for food, beverages, Wi-Fi, and Wi-Fi subscriptions on United- or United Express-operated flights, plus United Club premium drinks, and receive a 25% statement credit. Eligible purchases by authorized users also earn the credit. Credits typically appear within 24 hours after the transaction posts; the account must be open and in good standing when the credit is issued.

  • Roadside Assistance

This is a pay-per-use roadside assistance service, not insurance. There is no membership fee or pre-enrolment requirement; you can call 24/7 in the United States and Canada. The pre-negotiated service fee covers up to 5 miles of standard towing, tire changes, jump starts or towing to the nearest charging/repair location, lockout service, delivery of up to 5 gallons of fuel (fuel cost not included), and standard winching within 100 feet of a paved road or highway. Service beyond those limits, vehicles over 10,000 pounds, and remote off-road locations are not covered.

  • Travel and Emergency Assistance

While travelling away from home, you can get 24/7 referral help for emergency message relay, medical and legal referrals, emergency transportation arrangements, prescription assistance, and pre-trip information. This is not insurance. You pay the actual cost of medical, legal, transportation, cash advances, or any goods and services arranged; availability may be limited by travel warnings, sanctions, and local infrastructure.

Official Guide to Benefits PDF 🔗

  • Auto Rental Coverage

When the primary renter pays the entire rental with this card and/or redeemable rewards and declines the rental company’s CDW/LDW, you get worldwide coverage for collision or theft loss up to $60,000, including substantiated loss-of-use charges, administrative fees, and reasonable towing. Continuous rental periods of up to 31 days are covered. In the United States the coverage is secondary and can top up what other valid insurance does not pay, including deductibles; it is primary when no other insurance applies, and primary abroad where available. Vehicles with an MSRP over $125,000, antiques, cargo vans, motorcycles, limousines, chauffeur-driven rentals, RVs, passenger vans with more than 12 seats, liability or bodily injury beyond damage to the rental vehicle, and peer-to-peer car-sharing vehicles are among the exclusions. Report an accident or theft as soon as reasonably possible and no later than 100 days; submit required documents within 365 days.

  • Trip Cancellation and Interruption Insurance

When all or part of the trip cost is charged to this card and/or redeemable rewards, the cardmember and their spouse/domestic partner and eligible family members may be reimbursed for non-refundable prepaid common-carrier costs, change fees, or rewards-program redeposit fees if a covered reason forces cancellation or interruption. Limits are $1,500 per covered traveller and $6,000 total per trip, and no more than the amount actually charged or paid with rewards. Trips may last up to 60 days; coverage is secondary. Pre-existing conditions (advice, diagnosis, care, or treatment within 60 days before departure or booking), change of mind, common-carrier insolvency, war, and reasons not listed are among the exclusions. Report within 20 days of cancellation or interruption; submit required documents within 90 days.

  • Extended Warranty Protection

When all or part of an eligible item is paid with this card and/or redeemable rewards and the item has a valid original U.S. manufacturer repair warranty, coverage extends for one extra year after the original, store, and any purchased service-contract warranties end. Items whose original or combined warranty exceeds 3 years are not covered; total warranty coverage from the purchase date cannot exceed 4 years. Reimbursement is the lower of repair cost, like-kind replacement, the amount charged/redeemed, $10,000 per item, or $50,000 per account. Only what the original warranty covered is covered. Motor vehicles, boats, aircraft, resale or commercial items, rentals, software, medical equipment, and used goods are among the exclusions. Report within 90 days of product failure; submit documents within 120 days.

  • Purchase Protection

When all or part of an eligible item is paid with this card and/or redeemable rewards, and theft, damage, or involuntary accidental parting occurs within 120 days of purchase (90 days for New York residents), you may be reimbursed for the lower of repair cost, like-kind replacement, the amount charged/redeemed, $500 per item, or $50,000 per account. Coverage is secondary and can top up what other valid insurance does not pay, including deductibles. Animals and plants, antiques and collectibles, motor vehicles, software, resale or commercial items, unexplained disappearance, items in a carrier’s custody, items in checked baggage, cash/tickets, and normal wear and tear are among the exclusions. Report within 90 days of the loss; submit documents within 120 days. Some incidents may require a police, fire, or other incident report within 48 hours.

Chase United Co-Brand Series

Personal cards

Business cards