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United Gateway℠ Card

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This co-branded offering from Chase and United Airlines provides United miles for every purchase, and is equipped with safeguards for commuting and benefits to maximize comfort on the road. It replaced the older United TravelBank Card.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 16.49% to 23.49% Variable

United Gateway℠ Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 3X United miles per dollar for grocery store purchases in the first year, up to $15,000 spent
  • 2X United miles per dollar for:
    • United purchases
    • Local transit and commuting
    • Gas
  • 1X United mile per dollar on all other purchases
Introductory Bonus
  • 15,000 bonus miles for spending $1,000 in the first 3 months

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 16.49% to 23.49% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater
How to Transfer a Balance on a Credit Card


Penalty APR Up to 29.99%
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee $0
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.99% Variable
Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Concierge Service
  • Zero Liability on Unauthorized Charges
  • Purchase Protection
  • Extended Warranty Protection
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • No Blackout Dates
  • Trip Interruption Insurance
United Gateway℠ Card


  • Earn up to 30,000 bonus miles
  • No annual fee
  • Earn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting
  • Earn 2 miles per $1 spent on United Airlines purchases
  • Earn 2 miles per $1 spent on local transit and commuting
  • Earn 1 mile per $1 spent on all other purchases


Chase has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-935-9935 or

Try a different phone number
See all Issuer Cards

The United Gateway Visa card from Chase Bank offers rewards for travel spending, benefits for flying United, and a way to save money when using your card outside of the United States.

You’ll earn 2X miles per dollar spent on United purchases, at gas stations, and on local transit and commuting. All other purchases will earn just 1X point per dollar. You can use your miles for United purchases and with any of the member airlines in the Star Alliance network, for rental cars and hotel stays, and merchandise from

Take advantage of some benefits including 25% back on in-flight purchases, Trip Cancellation/Interruption Insurance, and a concierge service. This card has no foreign transaction fees.

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