Chase
United Gateway Card
Annual Fee
$0
Bonus Value
$405
Min Spend
$1K/3mo
Current Welcome Offer
30,000
MileagePlus Miles — worth ~$405
Spend $1,000 in 3 months
Verified · checked Sep 8, 2026
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Key facts
| Annual fee | $0 |
|---|---|
| Welcome bonus | 30,000 MileagePlus Miles after $1,000 spend in 3 months |
| Bonus value estimate | ~$405 |
| Points program | United MileagePlus |
| Card network | Visa |
Editorial Verdict
United Gateway: pros & cons
Pros
- No annual fee — the cheapest way to earn United MileagePlus miles
- 40,000-mile welcome bonus (~$560 est. value) on just $1,000 spend
- Trip cancellation insurance included despite the $0 fee
Cons
- No free checked bag, lounge passes, or United travel credits at this tier
- Miles are locked to MileagePlus — no flexible transfer currency
Historical Intelligence
Offer history & timing
Current
30,000
Average
30,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$723 net first-year value
Timing
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Verified from issuer · Aug 25
Value
First-year value estimate
Conservative
+$667
65% benefit utilization, minimal travel redemptions
Realistic
+$723
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$779
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$318/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists · rewards valued at what a holder of THIS card can redeem — no companion premium card is assumed. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
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
Issuer data snapshot
Card details captured: 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.
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Anyone wanting rewards with no annual fee commitment
- Frequent flyers with a preferred airline wanting companion benefits
Not Best For
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
30,000 MileagePlus Miles
Last verified
Aug 25, 2026
15 days ago
Annual fee
$0 — No annual fee
Compare & Alternatives
Alternatives
Consider these cards instead
Chase
United Explorer
Step-up option with more premium benefits for heavy travelers.
$150/yr
50,000 pts
View review
Chase
United Quest
Step-up option with more premium benefits for heavy travelers.
$250/yr
60,000 pts
View review
Chase
SW Priority
Step-up option with more premium benefits for heavy travelers.
$229/yr
60,000 pts
View review
FAQ
Frequently asked questions
What's the current United Gateway welcome bonus?
30,000 MileagePlus Miles after spending $1,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
What are the main benefits of the United Gateway?
The highest-value benefits we track on the United Gateway: Trip Cancellation Insurance (~$100). Combined tracked benefit value is up to ~$100 per year. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for United Gateway?
Realistic target: 660+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 660+ is the floor for reliable approval on cards in United Gateway's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the United Gateway come with?
Chase doesn't publish credit limits for the United Gateway — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
Does Chase's 5/24 rule apply to United Gateway?
Yes. United Gateway is issued by Chase, so the 5/24 rule applies: if you've opened 5 or more personal credit cards from any issuer in the last 24 months, Chase will likely auto-deny your application regardless of credit score. Check your 5/24 status before applying. Business cards from Amex, Cap One and the Chase Ink line don't usually count toward your 5/24.
Editorial guides
More on United Gateway and Chase
How to Transfer Chase Ultimate Rewards to United MileagePlus: 1:1 Instant Transfers, Sweet Spots, and No Close-In Fees
The 1:1 instant transfer that unlocks Star Alliance partner business class, cheap domestic short-hauls from 10,000 miles, and zero close-in booking fees — and exactly when to pull the trigger.
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Flights to Hawaii on Points: Every Program That Works from the Mainland
Southwest, Alaska, United, Delta, American, and Hawaiian compared program by program — typical mainland origin costs, where award space actually shows up, and which currency to hold based on where you live.
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Tools & next steps
Run the math for your situation
Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
United Gateway Card
Current offer: 30,000 MileagePlus — worth ~$405
View Official OfferChase'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. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
United Gateway
30,000 MileagePlus offer