United℠ Gateway
A no-annual-fee airline card from Chase.
Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The United Gateway is the no-fee United card, and it runs into the usual free-airline-card trap: without a fee, there is no free checked bag, which is the perk that makes an airline card worth carrying. It earns some United miles and offers a modest welcome bonus, but the benefits are thin.
For an occasional United flyer who wants a free way to earn a few miles, it is fine, but most United flyers will get much more from the Explorer.
Think twice if: you check bags or fly United regularly, since the Explorer's free bag easily beats its fee.
Our 5.7 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn modest bonuses on United purchases, gas, and transit, in locked MileagePlus miles, with no annual fee. There is no free checked bag, so you miss the main everyday benefit of an airline card, which keeps this as a light, occasional-use card.
| Category | Rate | Notes |
|---|---|---|
| Gas | 2x | Bonus category |
| Transit and rideshare | 2x | Bonus category |
| United purchases | 2x | Bonus category |
| Dining and restaurants | 1x | Base rate |
| Groceries | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
Brand and bonus rates: beyond the everyday categories above, this card also earns:
- 5x miles on United flights booked with the card
- 2x miles on other United purchases, gas stations, and local transit
- 25% back on United in-flight purchases
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your gas and transit and rideshare spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its gas rate is on the modest side for that category, so compare before you commit.
When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- No annual fee
- Some bonus earning on United and transit
- Modest welcome bonus for a free card
- No free checked bag
- Miles locked to United
- Smaller welcome bonus than the paid United cards
The welcome bonus
The welcome bonus is modest: up to 40,000 miles after $1,000 in three months. Fine for a free card, but smaller than the paid United cards.
First-year value vs ongoing value
| Welcome bonus | Up to 40,000 bonus miles |
| To earn it | $1,000 in 3 months |
| Est. first-year value* | $720 |
| Est. ongoing value / yr* | $320 |
The welcome bonus makes year one the high point: roughly $720 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $320 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- No foreign transaction fees
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you fly United rarely and just want a free card for a few miles, the Gateway works at no cost.
If you check bags or fly United more than occasionally, the Explorer's free bag will more than cover its fee. For most United flyers, this free card is too thin.
Alternatives to the United℠ Gateway
Pairs well with
The United℠ Gateway earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the United℠ Gateway lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
