United Gateway Benefits, Credits & Annual Fee

• 30,000 United miles; another 10,000 miles for adding an authorized user

  $1,000 qualifying purchases; add an authorized user First 3 months from account opening Unavailable to current holders of this card or prior holders receiving its new-card bonus within 24 months. 30,000 miles require $1,000 qualifying purchases. Another 10,000 miles require adding an authorized user in the first 3 months, capped at one bonus; user must remain on account at fulfillment. Miles do not count toward Premier status. Account must be open and not in default; allow 6-8 weeks. Bonus miles may be deducted if account closes before 6 months. Qualifying purchases exclude balance transfers, cash advances and equivalents, gambling, fees, interest and fraudulent charges.

  Checked Sep 10, 2026Source

• 25% Back on United Inflight and Club Premium Drink Purchases25% / yr

  Get 25% back as a statement credit when you use your card to buy food, beverages, or Wi-Fi on United-operated flights, or Club premium drinks at a United Club. The credit applies only to purchases made on United-operated flights or at United Club locations.

  Checked Jul 4, 2026

Travel Benefits

• 25% back on eligible inflight purchases

  Receive 25% back on eligible inflight purchases. Spend-earned checked-bag certificates and award pricing are tracked separately in Spend Goals.

  Checked Sep 14, 2026
• Two Checked Bag CertificatesTrackable

  Earn two standard checked bag certificates for United travel. Spend $10,000 on purchases with your Gateway Card within a calendar year to get them. The certificates are for standard checked bags, not other types of baggage.

  Resets: Calendar yearChecked Oct 7, 2026
• United Card Events and MileagePlus Events Access

  Cardmembers can access curated experiences through United Card Events from Chase and United MileagePlus Events, which may include concerts, sporting events, and travel experiences. Event availability varies, and some may require purchasing with miles or cash through the Chase or United portal.

  Checked Jul 4, 2026
• Discounted United Award Flights

  Save at least 10% on United flights booked with miles. Spend $10,000 on purchases in a calendar year, then book a qualifying award flight using miles. Premier members can receive a larger discount.

  Checked Oct 7, 2026
• Inflight Purchase Discount

  Pay with your United Gateway Card for food, beverages, Wi-Fi, or Club premium drinks on United-operated flights and get 25% back as a statement credit. The discount posts automatically - no activation or registration needed.

  Checked Jul 4, 2026
• No Blackout Dates on Award Travel

  Your MileagePlus miles have no expiration date, so you can accumulate and redeem them at any point without worrying about a use-by deadline.

  Checked Jul 4, 2026
• Redeem Miles for United Ticket Statement Credits

  Use miles earned with your card for a statement credit toward United ticket purchases. Redeem your miles for a credit after making a qualifying ticket purchase. The redemption option also mentions annual card membership fees, though the Gateway Card has no annual fee.

  Checked Oct 7, 2026

Rental Car

• Auto Rental Collision Damage Waiver

  Covers theft and collision damage on most rental cars when you decline the rental company's collision insurance and charge the full rental to your card. In the U.S., coverage is secondary to your personal auto insurance; it may be primary when renting abroad.

  Checked Oct 7, 2026

Travel Insurance

• Trip Cancellation and Interruption Insurance

  Get reimbursed for pre-paid, non-refundable travel fares if your trip is canceled or cut short by a covered reason such as sickness or severe weather. Charge your travel to the card to activate coverage. Limits are $1,500 per covered traveler and $6,000 per trip.

  Checked Sep 26, 2026

Bonus Earnings

• United Card Events Purchases Earn 2x Miles2x miles

  Earn 2 total miles per $1 on United Card Events purchases from Chase. Pay with your Gateway Card; the rate includes the standard 1 mile per $1 plus 1 additional mile. Gas stations and local transit and commuting also earn this 2x rate.

  Checked Oct 9, 2026
• 5x Total Miles on Eligible United Flights5x miles

  Earn 5x total miles on eligible United flights: 3x on the primary cardmember's fare as a MileagePlus member, plus 2x on the entire United purchase with the United Gateway Card. Basic Economy and base option tickets earn differently, and Premier members earn more.

  Checked Oct 1, 2026
• Additional United Flight Miles After Qualifying Spend

  Earn additional miles from United after meeting a yearly spending threshold. Spend $10,000 on purchases with your Gateway Card in a calendar year to qualify. The provided benefit terms do not specify the additional earning rate or which flights qualify.

  Checked Oct 7, 2026
• Refer-a-Friend Bonus Miles10,000 mi / yrTrackable

  Earn 10,000 bonus miles for each friend you refer who is approved for a United MileagePlus Card. Share your referral link and have your friend apply through it. You can earn up to 100,000 referral bonus miles per year.

  Checked Oct 9, 2026
• 2x Miles on All Other Eligible United Purchases2x miles

  Earn 2 miles per dollar on eligible United purchases beyond airfare, including seat upgrades, Economy Plus, inflight food and beverages, Wi-Fi, and baggage fees. Pay with your card at checkout or onboard to earn at this rate.

  Checked Oct 1, 2026
• 2x Miles at Gas Stations2x miles

  Earn 2 miles per dollar spent at gas stations. Use your card at the pump or inside the station to earn at this rate.

  Checked Oct 1, 2026
• 1x Mile on All Other Purchases1x miles

  Earn 1 mile per dollar on every purchase that doesn't qualify for a higher earning rate. There's no cap on the miles you can earn this way.

  Checked Oct 1, 2026

Purchase Protection

• Extended Warranty Protection

  Adds one extra year to a manufacturer's U.S. warranty on eligible items you buy with your card. Only warranties of three years or less qualify, and coverage extends up to four years from the purchase date.

  Checked Oct 7, 2026
• Purchase Protection

  New purchases charged to your card are covered against damage or theft for 120 days from the date of purchase. Coverage is capped at $500 per item.

  Checked Oct 7, 2026

Concierge & Membership

• 24/7 Visa Concierge Service

  Available around the clock, Visa Concierge can help you book restaurants, find event tickets, or arrange travel plans. Just call the number on the back of your card to reach a live agent. The service itself is free - you only pay for whatever is booked on your behalf.

  Checked Jul 4, 2026

Fees & Miscellaneous

• No Annual Fee$0 / yr

  The United Gateway Card has no annual fee, so you keep all the miles you earn without an annual cost to offset.

  Checked Jul 4, 2026
• No Foreign Transaction Fees

  Purchases made outside the U.S. or in a foreign currency carry no added transaction fees. The benefit applies automatically to every eligible transaction, making the card a convenient option for international trips or purchases from overseas merchants.

  Checked Jul 4, 2026