Chase United Gateway
No annual fee, earning United MileagePlus Miles, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Chase United Gateway is a no annual fee card from Chase earning United MileagePlus Miles. It earns 2x on united airlines, 2x on gas, 2x on transit and 1x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Chase advertises. We do not convert them into a percentage return, because that requires putting a price on United MileagePlus Miles and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| United Airlines | 2x | |
| Gas | 2x | |
| Transit | 2x | |
| Other | 1x | Everything else |
Status and included memberships
- 25% Back on United Inflight and Club Premium Drink Purchases — Get 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.
- First 2 Checked Bags free — Earn two checked bags on United- or United Express-operated flights after spending $10,000 in a calendar year with your United Gateway Card.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Auto Rental Coverage — Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles.
- Extended Warranty Protection — Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- Purchase Protection — Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Trip Cancellation and Interruption Insurance — You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
- Visa Concierge Service — Get complimentary Visa Signature Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Questions people ask about the Chase United Gateway
What is the annual fee on the Chase United Gateway?
The Chase United Gateway has no annual fee.
What does the Chase United Gateway earn?
2x on united airlines, 2x on gas, 2x on transit, 1x on other, and 1x on everything else, in United MileagePlus Miles.
Does the Chase United Gateway charge foreign transaction fees?
No — the Chase United Gateway has no foreign transaction fee.
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