United Gateway (Service Mark) Credit Card

United GatewaySM Credit Card

United Gateway (Service Mark) Credit Card

Earn

20,000

bonus miles

 

2x

miles on United purchases

 

25%

on United inflight and
Club premium drink
purchases

NEW CARDMEMBER OFFER

Earn 20,000 bonus miles

after qualifying purchases.*

AT A GLANCE

Start your adventure with 2x miles on United purchases, at gas stations and on local transit and commuting.* Plus, 25% back on United inflight and Club premium drink purchases,* and no foreign transaction fees.

APR

0% intro APR for 12 months from account opening on purchases. After the intro period, a variable APR of 21.49%–28.49%, see pricing and terms for more details.

ANNUAL FEE

$0

Travel Credit Card Rewards & Benefits

NEW CARDMEMBER OFFER

Earn 20,000 bonus miles

after you spend $1,000 on purchases in the first 3 months your account is open.*

Plus, earn 5,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.*

This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

INTRO OFFER

Low intro APR

0% intro APR for the first 12 months from account opening on purchases. After that, a variable APR of 21.49%–28.49%.

ANNUAL FEE

No annual fee

Cardmembers can earn miles for purchases without an annual fee.

EARN MILES

Earn up to 7x miles on United purchases

7x total miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Gateway Card. Premier® members earn even more.*

3x total miles on hotel stays booked through United Hotels - 2x miles from United as a MileagePlus member, plus 1x mile earned with the United Gateway Card.*

2x miles on all other United purchases.*

EARN MILES

Earn on all other travel and every day purchases

2x miles at gas stations.*

2x miles on local transit and commuting including ride share services, taxicabs, train tickets, tolls, and mass transit.*

1x mile on all other purchases.*

TRAVEL PERKS

Even more travel benefits for you to enjoy

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.*

No foreign transaction fees on purchases made with your Gateway Card outside the U.S.*

United GatewaySM Credit Card                                      

Offer Details

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

Visa Signature: Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Signature card or Visa Platinum card with different costs and/or benefits, or you may not receive a card. For pricing details, please see Pricing & TermsOpens pricing and terms in new window. For benefits details, please read your credit card benefits materials which will be mailed after your account is established.

20,000 Bonus Miles After You Spend $1,000 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months. With this bonus offer, you will qualify and receive 20,000 bonus miles after you make Purchases totaling $1,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus miles to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus miles do not count toward Premier status. If your account is not open for at least six months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account. Offer subject to change.

5,000 Bonus Miles After You Add An Authorized User In The First 3 Months From Account Opening:
This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months.
 With this bonus offer, you will qualify and receive 5,000 bonus miles after your addition of an authorized user to your account during the first 3 months from account opening. 5,000 bonus miles will only be awarded once, for the first authorized user added to your account regardless of how many total authorized users you add to your account. After qualifying, please allow 6 to 8 weeks for bonus miles to post to your account. To be eligible for this bonus offer, account must be open and not in default, and authorized user must be on your account at the time of fulfillment. These miles do not count toward Premier status. If your account is not open for at least six months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account. Chase is not responsible for the provision of, or failure to provide, the 5,000 bonus miles, which will post directly to your MileagePlus account and not appear on your credit card statement.

Adding An Authorized User: All correspondence, including credit cards, statements, and notifications will be sent to the name and address on file for the primary cardmember. The primary cardmember is responsible for repaying all balances on this account. Authorized users will have the same account number and charging privileges as the primary cardmember but will not be financially responsible. Chase provides account information to the credit reporting agencies for all account users. This information could impact an authorized user's credit score. When you tell us to add a user to your account, you're confirming that you have a relationship with the person or people whose name(s), address(es), and date(s) of birth you've told us, that all their information is correct, and that you have their consent to add them. If Chase determines you've given us fraudulent name, address, or date of birth information or did not have such consent, Chase can close this account.

Earning Miles: Rewards Program Agreement: For more information about the United GatewaySM Card rewards program, view the latest Rewards Program Agreement (PDF). We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com.
How you can earn miles: You’ll earn miles on purchases of products and services, minus returns or refunds, made with a UnitedSM credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn miles: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1 mile: You’ll earn 1 mile for each $1 spent. 2 miles: You’ll earn 2 miles total for each $1 spent (1 additional mile on top of the 1 mile per $1 earned on each purchase) on airline tickets purchased from United, and on the following purchases made from United: seat upgrades; Economy Plus®; inflight food, beverages and Wi-Fi; baggage service charges or other United fees. Other United related purchases, such as United Cruises®, United MileagePlus X, DIRECTV® and Merchandise Awards, are excluded. United tickets booked through some discount travel websites or as part of a third-party travel package will also not qualify. You’ll also earn 2 miles total for each $1 spent (1 additional mile on top of the 1 mile per $1 earned on each purchase) on purchases of United Card Events from Chase and in the following rewards categories: gas stations; local transit and commuting. Information about earning/transferring miles to United: Miles earned during a billing cycle will be automatically transferred to United after the end of each billing cycle. Losing miles: You’ll immediately lose all miles that haven’t been transferred to United if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs.

Earning miles from United on United flights and United Hotels: Miles earned on United flights purchased directly from United are earned on the fare and are subject to exclusions. The fare is the base fare of the ticket plus carrier-imposed surcharges, excluding any government-imposed taxes and surcharges. For details see united.com/FlightEarn. For details on earning miles from United on United Hotels, see united.com/UnitedHotelsTerms. Chase is not responsible for the provision of, or failure to provide, miles earned from United under the MileagePlus program. Miles will post directly to your United MileagePlus account and will not appear on your credit card statement. Miles earned from United under the MileagePlus program for United flight and United Hotels purchases will be earned in accordance with the rules of the MileagePlus program, for details see united.com/mprules.

25% back on food, beverage and Wi-Fi purchases on board United and United Express-operated flights and United Club premium drink purchases: You will receive 25% back, in the form of a credit card account statement credit, on purchases of food, beverages and Wi-Fi on board United and United Express-operated flights, and Wi-Fi subscription purchases, when you use your United GatewaySM Card to make such purchases. You will also receive 25% back, in the form of a credit card account statement credit, on premium drink purchases at United Clubs. The statement credit will post to your account within 24 hours of your onboard purchase posting to your account. You will also receive 25% back on food, beverage and Wi-Fi purchases made on board, on Wi-Fi subscription purchases, and on premium drink purchases at United Clubs by authorized users who use your United Gateway Card account to make such purchases. To qualify for the 25% back, account must be open and not in default at the time of fulfillment. To find a list of United Club locations, please visit United.com.

Award Availability, Pricing, and Fees: As long as tickets are still available for sale for the applicable cabin on any United-operated flight, MileagePlus members can use miles to book award travel on such flight. Award pricing is subject to change without notice. Awards on partner-operated flights and upgrade awards are subject to limitations and restrictions. Passenger is responsible for all taxes, fees, baggage fees and surcharges applicable to award travel, including, with respect to government imposed taxes and fees, September 11th Security Fee of $5.60 per one-way trip that does not include a government defined stopover, US Customs, Immigration and APHIS User Fees of $17.80 for each international arrival in the U.S.; and non-U.S. government ticket taxes, fees and airport charges may add up to $355 per ticket as of January 1, 2024. Such taxes, fees and surcharges must be paid at the time of ticketing and are subject to change. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Visit united.com/AirAwards for details.

Concierge Service: Cardmembers are responsible for the cost of any goods or services purchased through the Concierge.

Complimentary DashPass: When the membership is activated for the first time with a United GatewaySM Card by 12/31/2024 you and your authorized user(s) will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date. After the complimentary DashPass membership period ends, you and any authorized users will continue to be enrolled and charged the then current monthly DashPass rate for each membership activated. You can cancel anytime on DoorDash or Caviar. Membership period for all users on this credit card account will begin and end based on when the first user activates the membership on DoorDash or Caviar, regardless of when subsequent memberships are activated. The same log in credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their applicable Chase credit card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your United GatewaySM Card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass-eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may apply. Current value of the DashPass membership is as of 04/01/2022. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. If you product change to another Chase credit card during the promotional period, your benefits may change. You may experience a delay in updating your applicable benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase’s control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. Your applicable Chase credit card account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US.

All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions.

Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Chase credit cards are consumer credit cards issued by Chase, small business cards are excluded at this time. For Chase Pay Over Time at checkout on Amazon.com, Amazon Visa and Prime Visa cards and Chase Mastercard credit cards are also excluded.

Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com or the Chase Mobile App.

Purchases Eligible for Chase Pay Over Time at Checkout on Amazon.com: Orders totaling at least $50 of eligible items on Amazon.com are eligible. Amazon may designate any item as ineligible, such as Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save. If your order includes a recurring subscription, then only the first month's subscription fee will be eligible. If available for your account, the option to choose "financing offers available" will appear at checkout.

Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

Chase Mobile App: Chase Mobile® app is available for select mobile devices. Message and data rates may apply.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

United Visa Card Program Information

Individuals whose requests for this offer are not approved will not be enrolled in MileagePlus® through this request, although existing MileagePlus members will remain enrolled in MileagePlus. Authorized users will not be enrolled in MileagePlus as a result of this request. MileagePlus miles awarded through the use of the authorized user’s card will only be credited to the primary cardmember’s account. Chase’s sole obligation concerning the award and redemption of miles shall be to make a valid request to United to award miles to the Primary Cardmember’s associated MileagePlus account. Chase disclaims liability or responsibility for United’s failure to award or redeem miles to the Primary Cardmember’s associated MileagePlus account after Chase has met its obligations to United in connection with such a request. If a primary Cardmember’s membership in United’s MileagePlus Program is terminated in accordance with the terms and conditions of that Program, the Cardmember will no longer be eligible to earn any MileagePlus miles for purchases using the United Card or access Cardmember benefits associated with the MileagePlus Program.

MileagePlus Program Terms and Conditions:

Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus® program, including without limitation the Premier® program (the “MileagePlus Program”), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United® may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines® and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to united.com.

United credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

Explore Additional Benefits

25% back on United inflight and Club

premium drink purchases

You'll 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.*

No foreign transaction fees

Purchases made with your Gateway Card outside the U.S. will not be subject to foreign transaction fees. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

United Card Events from Chase and United MileagePlus Exclusive Events

Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences. Sample select wines and satisfy your palate with culinary events at some of the world's best restaurants, meet a sporting legend or make memories with your family. Please visit UnitedCardEvents.comOpens overlay to learn more.

Through MileagePlus Exclusives, Cardmembers can use their miles to enjoy unique opportunities, such as exclusive multi-course dinners, sporting events, concerts, and behind-the-scenes experiences in United's operations facilities. Visit united.com/cardeventsOpens overlay to learn more.

Earning MileagePlus miles

In addition to earning miles for purchases made with your card, you can earn miles by flying with UnitedSM, United Express®, Star Alliance and other airline partners. You can also earn miles from Mileage Plus partners for hotel stays and car rentals, online shopping, eGift card purchases and by using the MileagePlus X app to pay at your favorite restaurants and retailers. Maximize your mileage earning power when you use your card to pay at MileagePlus partners. You'll earn miles for card purchases plus the miles offered from the partner. See united.com/earnOpens overlay for details on earning miles.

No blackout dates

MileagePlus members can use miles to book any United-operated flight, any time, with no restrictions or blackout dates.* For more information, please visit united.com/AirAwardsOpens overlay.

MileagePlus miles don't expire

MileagePlus miles never expire. This MileagePlus program benefit gives you a lifetime to use your miles on flights and much more.

Using MileagePlus miles

Your miles can reward you with getaways, unique experiences, or things you love - anything from electronics to dinner at one of your favorite restaurants. Use them for flights on United and other airline partners, hotel stays, car rentals, merchandise, eGift cards and more. See united.com/UseMilesOpens overlay for details on using miles. Chase Cardmembers can also use miles they've earned with their card to receive a statement credit for United ticket purchases and their annual card membership fee.

You're covered with built-in benefits

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.**

Trip Cancellation/Interruption Insurance

You 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.**

 

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.**

Visa Concierge

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.

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.**

** These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactlessOpens in a new window.

Apply for a card, use it the same day

Receive instant access to your card by adding it to a digital wallet, like Apple Pay®, Google Pay or Samsung Pay. Find out how at chase.com/digital/spend-instantlyOpens in a new window.

DoorDash

Get one-year complimentary DashPass, a 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 12/31/24.*

Chase Pay Over Time* lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:

After purchase(formerly My Chase Plan®): Pay off an eligible purchase you've already made of $100 or more* in smaller, equal monthly payments. No Interest - just a fixed monthly fee with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.

At checkout: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more* using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.

Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.

For more information on Chase Pay Over Time features, please visit chase.com/chasepayovertimeOpens in a new window.

Refer a friend

Refer Friends if you already have a United GatewaySM Card!

Earn up to 100K bonus miles per year. You can earn 10,000 bonus miles for each friend that gets approved for any United MileagePlus® Card. Click the button below to start referring.