Chase · Visa Signature · Personal
United Gateway
A no-annual-fee card earning United MileagePlus: 2× on 5 categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 30,000 ≈ $370 in travel (our estimate)*
- Top rate
- 2×5 categories
- Point value
- 1.23¢ In travel · 1.23¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 30,000 points | $370 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $370 | $0 |
Bonus terms: Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 Months from account opening. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
Earning structure
6 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare (Portal) | 2× | $2.47 | |
| Gas Stations | 2× | $2.47 | |
| Ridesharing | 2× | $2.47 | |
| Toll Fees | 2× | $2.47 | |
| Transit | 2× | $2.47 | |
| All Other | 1× | $1.23 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Chase
- Point system
- United MileagePlus
- Travel value (our estimate)*
- 1.23¢ per point
- Cash value (our estimate)*
- 1.23¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules3
- 5/24
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
- Chase 2/30
You'll be declined if you apply for a third Chase card of any kind within 30 days.
- Chase 4/6
Chase will decline your application if you apply for a 5th Chase card (personal or business) in 6 months.
Benefits3 · 0 high value
- Car Rental Insurance SECONDARY Auto Rental Collision Damage Waiver
- Credits & Discounts 25% back on United inflight and Club premium drink purchases
- Earn Perks & Status Earn Two Checked Bag Certificates
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 United Gateway |  United Explorer |  United Quest |  Expedia Group One Key | |
|---|---|---|---|---|
| Annual fee | $0 | $150+$150 | $350+$350 | $0Same |
| Signup bonus | 30,000 pts | 60,000 pts | 70,000 pts | $250 |
| Top rate | 2×5 categories | 2×4 categories | 5×Hotels (Portal) | 3×7 categories |
| Travel value * | 1.23¢United MileagePlus | 1.23¢United MileagePlus | 1.23¢United MileagePlus | 0.9¢One Key |
| Why it’s here | This card | Same issuer and the same United MileagePlus points | Same issuer and the same United MileagePlus points | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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