Chase
United Gateway Card
Annual Fee
$0
Bonus Value
$540
Min Spend
$1K/3mo
Current Welcome Offer
40,000
MileagePlus Miles — worth ~$540
Spend $1,000 in 3 months
Live verified
Checked May 14 · Confidence 55%
Directed to Chase's secure application · We may earn a commission
Historical Intelligence
Offer history & timing
Current
40,000
Average
40,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 40,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history. Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$842 net first-year value
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 40,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Verified from issuer · May 14
Value
First-year value estimate
Conservative
+$682
65% benefit utilization, minimal travel redemptions
Realistic
+$842
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,002
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$362/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits
Card perks & credits
Up to $100/yr in benefits
🛡️insurance
Trip Cancellation Insurance
$100/yr
Up to $1,500 per person in trip cancellation/interruption reimbursement when travel is purchased with the card.
Travel purchased with card
Live Data
Verified issuer data
Last verified: May 14, 2026
low confidenceEstimated Net Annual Value
$800
after annual fee
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
United Gateway Card
Current offer: 40,000 MileagePlus — worth ~$540
View Official OffersChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
United Gateway
40,000 MileagePlus offer