United Gateway℠ Card

Chase is an Experian Partner

United Gateway℠ Card logo.

United Gateway℠ Card

Recommended FICO® ScoreΘ

Good - Exceptional

Annual Fee:

$0

Intro APR:

0% Intro APR on Purchases for 12 months

Ongoing APR:

21.99% - 28.99% Variable

Ongoing Balance Transfer APR:

21.99% - 28.99% Variable

Intro Bonus:

Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

  • Earn 30,000 bonus miles
  • No annual fee
  • Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
  • Earn 2 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent at gas stations, on local transit and commuting
  • Earn 1 mile per $1 spent on all other purchases
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
  • Member FDIC
  • No annual fee

  • No foreign transaction fees

  • 0% intro APR on purchases

  • Few travel benefits for cardholders

  • Lower intro bonus than similar cards

See all Chase‘s offers

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.

Learn about credit cards