United Gateway Card

Chase · Personal card · Checked against Chase's terms Oct 26, 2026

The United Gateway earns 2x United MileagePlus miles at gas stations and on transit; and 1x United MileagePlus miles on everything else. No annual fee. earnrate counts United MileagePlus miles at 1¢ each; transferring to airlines or hotels can be worth up to about 1.2¢.

Add it to your wallet

Earning rates

2
United Airlines 2x United MileagePlus miles
Tickets, seat upgrades, Economy Plus, inflight food, drinks and Wi-Fi, bag fees and other United fees bought from United. Not United Cruises, MileagePlus X, DIRECTV or Merchandise Awards, or United tickets bought through discount travel sites or third-party packages. The advertised 5x on flights includes 3x MileagePlus flight miles (6x after $10,000 of card spend in a calendar year), which aren't card earnings.
“2x miles on all other eligible United purchases” creditcards.chase.com
2
Gas stations 2x United MileagePlus miles
Not truck stops, marinas, or oil and propane distributors.
“2x miles at gas stations” creditcards.chase.com
2
Transit 2x United MileagePlus miles
Local transit and commuting, including rideshare, taxis, trains, buses, ferries, tolls and parking. Not airlines, car rentals, bike or scooter rentals or car sharing.
“2x miles on local transit and commuting including ride share services, taxicabs, train tickets, tolls, and mass transit” creditcards.chase.com
1
Everything else 1x United MileagePlus miles
“1x mile on all other purchases” creditcards.chase.com

Public welcome offer

40,000 United MileagePlus miles after $1,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Up to 50,000 in total: plus 10,000 bonus miles after adding an authorized user in the first 3 months. Not available to current cardmembers of this card, or previous cardmembers who received a new Cardmember bonus for this card within the last 24 months.

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Chase's terms before you apply.