Is the United Gateway™ Card subject to Chase 5/24?

Yes, the United Gateway™ Card is subject to Chase's 5/24 rule. This means you generally won't be approved if you've opened 5 or more personal credit cards from any issuer in the last 24 months.

What credit score do I need for the United Gateway™ Card?

You typically need an excellent credit score to be approved for the United Gateway™ Card.

Can I get the United Gateway™ Card bonus twice?

No, you are not eligible for the welcome bonus if you have received a new cardmember bonus for any United credit card within the past 24 months.

What is the annual fee for the United Gateway™ Card?

The United Gateway™ Card has a $0 annual fee.

Does the United Gateway™ Card have foreign transaction fees?

No, the United Gateway™ Card does not charge foreign transaction fees.

How much is the United Gateway™ Card bonus worth?

The 40,000 United miles welcome bonus is estimated to be worth $520.

How do I earn the full 40,000 miles bonus on the United Gateway™ Card?

You earn 30,000 United miles after spending $1,000 in the first 3 months, and an additional 10,000 miles when you add an authorized user in the first 3 months.

United Gateway™ Card: 40,000 Miles Bonus & $0 Annual Fee

The United Gateway™ Card offers a compelling welcome bonus of 40,000 United miles, estimated to be worth $520, making it an attractive option for those looking to boost their mileage balance without an annual fee. To qualify, you'll need to meet a modest minimum spend requirement and adhere to Chase's application rules, including the well-known 5/24 policy. This card is particularly valuable for new United flyers or those seeking a no-cost entry into the United Airlines loyalty program, offering a straightforward path to earning miles. While it lacks premium travel perks, its $0 annual fee and solid bonus make it a worthwhile consideration for strategic churners and casual travelers alike, provided you meet the eligibility criteria and haven't received a United card bonus in the last 24 months. (Offer as of June 2026)

The United Gateway™ Card is a solid entry-level option for earning United miles without an annual fee. It's a strategic choice for those looking to accumulate miles for future United flights or to get a foot in the door with Chase's co-branded airline cards.

Current Welcome Bonus & Value

As of June 2026, the United Gateway™ Card offers a welcome bonus of 40,000 United miles.

This bonus is estimated to be worth $520 in travel value, providing a significant boost to your United MileagePlus account.

Minimum Spend to Earn It

To earn the full welcome bonus, you must meet two conditions:

Spend $1,000 on purchases within the first 90 days of account opening.
Add an authorized user to your account within the first 90 days to earn an additional 10,000 miles on top of the initial 30,000 miles earned from spending.

Who's Eligible?

Applying for the United Gateway™ Card requires careful consideration of Chase's application rules:

Chase 5/24 Rule: You will generally not be approved for this card if you have opened 5 or more personal credit cards (from any issuer) in the last 24 months.
United Card Bonus Rule: You are not eligible for this bonus if you have received a new cardmember bonus for any United credit card within the past 24 months.
Credit Score: An excellent credit score is typically required for approval.

Is It Worth It? (Pros/Cons)

Pros

$0 Annual Fee: Enjoy United miles without any recurring annual cost.
Solid Welcome Bonus: A 40,000-mile bonus for a no-annual-fee card is a strong offer, providing significant value for future United flights.
No Foreign Transaction Fees: Ideal for international travel, as you won't incur extra charges on purchases made abroad.

Cons

Limited Perks: As a no-annual-fee card, it lacks premium benefits like free checked bags, priority boarding, or United Club lounge access, which are common on higher-tier United cards.
Basic Earning Structure: While it earns United miles, the earning multipliers are not as robust as those found on cards with annual fees.

How to Apply

To apply for the United Gateway™ Card, visit the official Chase website or a trusted financial product comparison site. Ensure you review the most current offer details before submitting your application.

Alternatives

If the United Gateway™ Card doesn't perfectly align with your travel goals, or if you're looking for more premium benefits, consider these related cards:

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

United Gateway℠ Card — 40,000 miles bonus