Chase United Gateway Review 2026
United Gateway is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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Your card estimate
Net first-year value
First year
+$300
Rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
SwitchWize take
Travel rewards card
Bonus value
See terms
Everyday rewards
1x miles
Up to 2x in some categories
Annual fee
$0
APR
19.99% to 28.49%
Quick summary
What this card is, in plain words
United Gateway has no annual fee and a variable purchase APR of 19.99% to 28.49%. It earns 1x points on everything else, and more on 1 category (the highest is 2x points on gas stations). It charges no foreign transaction fee.
What to consider
- The APR is 19.99% to 28.49% and it can change. Interest on a carried balance is usually larger than the rewards.
Pros & cons
- No annual fee
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- None
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Gas stations
2x points
Everything else
1x points
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- Auto Rental Coverage
- Extended Warranty Protection
- Purchase Protection
- Trip Cancellation and Interruption Insurance (per trip)
Perks and credits
- 25% Statement Credit on Inflight and Club Purchases
- Discounted Award Flight Pricing
- No Foreign Transaction Fees
- Referral Bonus Miles (annual)
- Two First Standard Checked Bags (annual)
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
19.99%-28.49% variable
Spend requirement: $1,000 in purchases in the first 3 months, plus 10,000 more miles for adding an authorized user
Chase terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
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Questions
Common questions
What is the annual fee for the United Gateway?
The United Gateway has no annual fee, according to Chase's page checked Nov 14, 2026.
Does the United Gateway charge foreign transaction fees?
No. Chase lists no foreign transaction fee for the United Gateway.
How do I earn rewards with the United Gateway?
2x points on gas stations; 1x points on everything else.
What is the APR on the United Gateway?
The purchase APR is 19.99% to 28.49%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR, Earning rates, Benefits and protections
https://creditcards.chase.com/travel-credit-cards/united/united-gateway · checked Nov 14, 2026
We could not verify the balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is United Gateway worth it?
United Gateway is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term