Credit and Habit

ChaseBusiness card

United Gateway Card

Earn 2 checked bags each year, receive 25% back on United inflight and Club premium drink purchases, and earn unlimited miles with no annual fee.

AT A GLANCE

Credit card overview

Welcome offer

up to 50,000 bonus milesafter qualifying activities. *

Card categories

  • Travel
  • Business
  • No-Annual-Fee

What you get

Rewards and benefits

How it earns

AT A GLANCE Earn 2 checked bags each year, * receive 25% back on United inflight and Club premium drink purchases, * and earn unlimited miles with no annual fee.

  • Specific limitations apply to New York residents: Purchase Protection - coverage period is 90 days from the date of purchase.

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$0
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Chase makes every lending decision.

Annual fee and first-year pricing
ANNUAL FEE $0
Purchase APR
APR 0% intro APR for 12 months from account opening on purchases. After the intro period, a variable APR of 19.99 %– 28.49 %, see pricing and terms for more details.
Introductory APR and duration
APR 0% intro APR for 12 months from account opening on purchases. After the intro period, a variable APR of 19.99 %– 28.49 %, see pricing and terms for more details.
Foreign transaction fee
Plus, no foreign transaction fees on purchases made with your Gateway Card outside the U.S. 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.
Bonus eligibility and restrictions
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. This credit card 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. 10,000 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 10,000 bonus miles after your addition of an authorized user to your account during the first 3 months from account opening. 10,000 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 6 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 10,000 bonus miles, which will post directly to your MileagePlus account and not appear on your credit card statement.
Purchase protection and extended warranty
Specific limitations apply to New York residents: Purchase Protection - coverage period is 90 days from the date of purchase.

Recorded from Chase’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the United Gateway Card

  1. For travel rewards, test the redemption you would actually book. Portal restrictions, transfer availability and taxes can change the value of points.
  2. Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
  3. Confirm business eligibility, employee-card fees and any personal-guarantee requirements.
  4. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

Read the full application checklist →See how it fits your spending in Find My Card →

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