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
Verified from issuer
Last checked May 14
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Key facts
| Annual fee | $0 |
|---|---|
| Welcome bonus | 40,000 MileagePlus Miles after $1,000 spend in 3 months |
| Bonus value estimate | ~$540 |
| 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
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 & 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
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.
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
40,000 MileagePlus Miles
Last verified
May 12, 2026
Annual fee
$0 — No annual fee
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Alternatives
Consider these cards instead
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United Explorer
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80,000 pts
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United Quest
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$250/yr
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SW Priority
Step-up option with more premium benefits for heavy travelers.
$229/yr
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FAQ
Frequently asked questions
What's the current United Gateway welcome bonus?
40,000 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 the Excursionist Perk
The 1:1 instant transfer that unlocks Star Alliance partner business class, cheap domestic short-hauls from 10,000 miles, and the Excursionist Perk free one-way — and exactly when to pull the trigger.
Read
United MileagePlus: The Complete 2026 Program Guide
Why MileagePlus is the strongest US-domestic Star Alliance program for Chase UR holders — Excursionist Perk free segment, Polaris transcons at 35-45K, Star Alliance partner backup.
Read
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: 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