Independent and ad-free for now: we have no issuer or affiliate deals yet. Advertiser disclosure · Not financial advice.
Home / All cards / Chase

United℠ Gateway Card

United MileagePlus
Welcome bonus
40,000 miles
≈ $500 at 1.25¢ per mile
after $1,000 spend in 3 months
Annual fee$0 
Value per mile~1.25¢median of 6 published valuations
First-year value*$934easy credits counted · $934 with none
Year 2+ value*$434each year after the first, after the fee · $434 with no credits
$0 fee vs $0 in stated credits a yearFace value. You’d use $0 by our default → yearly cost after year 1 $0 ↓
Worth ~1.25¢/mi, median of 6 published valuations

Range 1.2–2.09¢. No published value from Bankrate. Checked 2026-10-23. How we use these

See the offer on Chase’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Chase card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.25¢ per mile (median of published valuations) — see method.

Credits & perks

Annual fee$0
vs
Stated credits a year$0face value, as Chase states it
Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

No statement credits are listed on the issuer page.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

  • bags Two first standard checked bag certificates after $10,000 spend in a calendar year
  • other 25% back as a statement credit on United inflight food, drinks and Wi-Fi

Source: Chase card page and benefit terms · checked 2026-10-23.

How it earns

  • 2x United only Flights (booked with the airline)
  • 2x Gas & EV charging
  • 2x Other travel
  • 1x everything else
  • 2x on local transit and commuting (rideshare, taxis, trains, tolls, mass transit) — modeled as “Other travel”.

Offer details

  • 40,000 miles after $1,000 in 3 months
  • Plus 10,000 miles after adding an authorized user in the first 3 months

Annual fee $0. Credits from the issuer page are in Credits & perks above.

Questions about the United Gateway Card

What is the United Gateway Card welcome bonus?

40,000 miles after $1,000 in 3 months, about $500 at the median published point value, per Chase’s card page checked October 23, 2026.

What is the United Gateway Card annual fee?

$0, as listed on Chase’s page on October 23, 2026.

How much are its miles worth?

About 1.25¢ each: the median of 6 published valuations (range 1.2–2.09¢), checked October 23, 2026.

What credits does the United Gateway Card include?

Chase’s page lists no statement credits for this card.

Is the United Gateway Card worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $934 in the first year and $434 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

Welcome bonus: 40,000 miles × 1.25¢$500
A year of earning: 34,700 miles × 1.25¢$434
Annual fee−$0
First year / Year 2+$934 / $434

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.