United Gateway℠ Card
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How we calculate effective rate →
The United Gateway℠ Card from Chase earns up to 2.4% effective value on gas in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn 30,000 Bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open..
- Top category
- Gas
- Effective value
- 2.4%
- Annual fee
- $0
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
What does the United Gateway℠ Card earn in each category?
Gas is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That gas rate ranks higher than about 81% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how United Gateway℠ Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight gas at.
Gas is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That gas rate ranks higher than about 81% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how United Gateway℠ Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.2% |
| Grocery Supermarkets and grocery stores | 1x miles | 1.2% |
| Gas Gas stations and fuel | 2x miles | 2.4% Top category |
| Travel Flights, hotels, transit | 2x miles | 2.4% |
| Other General everyday spend | 1x miles | 1.2% |
Madeen values United MileagePlus at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the United Gateway℠ Card reward caps and conditions?
The United Gateway℠ Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2 miles per $1 spent at gas stations
- 2 miles per $1 spent on local transit and commuting, including ride share services, taxicabs, train tickets, tolls, and mass transit
Who should get the United Gateway℠ Card?
The United Gateway℠ Card fits spenders who put meaningful volume in gas and can earn 2x miles. Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
United Gateway℠ Card fits spenders who put meaningful volume in gas and can earn 2x miles. Madeen ranks its gas effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 2.4% effective (2x miles).
- That gas rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- United MileagePlus value depends on how you redeem, not straight cash back.
What is the United Gateway℠ Card welcome bonus?
In Madeen's catalog snapshot, the United Gateway℠ Card welcome offer is Earn 30,000 Bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.. Minimum spend, eligibility, and offer windows are.
- Offer
- 40k United MileagePlus (~$480 estimated)
- Terms (catalog snapshot)
- Earn 30,000 Bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
- Minimum spend
- $1,000
- Window
- 3Months
Does the United Gateway℠ Card have an annual fee?
The United Gateway℠ Card has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the United Gateway℠ Card?
The United Gateway℠ Card includes 25% back on United inflight and Club premium drink purchases, Auto Rental Collision Damage Waiver, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty Protection
$10,000/yrExtends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Trip Cancellation/Interruption Insurance
$10,000/yrYou can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by covered situations like sickness or injury.
DoorDash
$3,600/yrGet one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Concierge
$150/yrGet 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.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
25% back on United inflight and Club premium drink purchases
$25/yr25% 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.
Related encyclopedia topics
- Visa
- 25% back on United inflight and Club premium drink purchases
- Rental car insurance
- Shopping and dining network perks
- Dining credit
- Credit score monitoring
- Extended warranty
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Priority Pass lounge access
- Purchase protection
- Roadside Dispatch
Common questions about the United Gateway℠ Card
Where do cardholders spend most with the United Gateway℠ Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (2x), other transportation (2x), parking (2x) for the United Gateway℠ Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
What credit score do you need for a United Gateway Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the United Gateway℠ Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the United Gateway℠ Card have an annual fee?
The United Gateway℠ Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the United Gateway℠ Card?
Gas is the strongest Madeen category for the United Gateway℠ Card at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the United Gateway℠ Card charge foreign transaction fees?
The United Gateway℠ Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the United Gateway℠ Card welcome bonus?
The United Gateway℠ Card welcome offer in our snapshot: Earn 30,000 Bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.. Minimum spend, eligibility, and offer windows are set by.
How does the United Gateway℠ Card compare to similar cards?
Compare the United Gateway℠ Card against Disney Inspire Visa Card (3% on Gas, $149 fee); Ink Plus Business (2% on Gas, $95 fee); Aeroplan Card (4.5% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
United Gateway℠ Card This card | Gas | 2.4% | $0 |
| Gas | 3% | $149 | |
Chase | Gas | 2% | $95 |
| Dining | 4.5% | $95 | |
| Travel | 4% | $795 |
Side-by-side comparisons
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure