United Gateway
ChaseNo annual feeVisa TraditionalNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it open: it holds a perk or an upgrade path at no cost.
Welcome bonus
40,000miles
after $1,000 in purchases in the first 3 months
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus40,000 points at 1.3¢ | $520 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$17 |
| DoorDash Grocery/Retail, monthlyof $120 face value | +$24 |
| Annual fee | $0 |
| Meeting the $1,000 minimumearns 1.3% here vs 2% on Double Cash | −$7 |
| First year | $554 |
| Each year after | +$161 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Gas Stations | 2.6% |
| 2X | Transit | 2.6% |
| 2X | United purchases | 2.6% |
| 1X | Everything else | 1.3% |
Noteworthy perks
- DoorDash Grocery/Retail, monthly$120 a year
Personal card · Earns United MileagePlus
Benefits
Credits & Perks (1)
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Protections (4)
- Trip Cancellation/Interruption, up to $1,500, Up to $1,500 per covered traveler and $6,000 per trip for non-refundable trip costs
- Purchase Protection, up to $500, 120 days coverage for theft/damage up to $500 per item
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (secondary), up to $60,000, Secondary coverage up to $60,000
Other Perks
- 2 checked bag certificates after $10K in purchases in a calendar year
- Improved saver award availability, including Polaris business class, after $10K in purchases in a calendar year
- At least 10% off all United award flights; 15% off with Premier status
- Earn miles on Basic Economy flights (non-elite members must hold a co-branded credit card to earn them)
- 3 additional MileagePlus miles per dollar spent on United flights
- 5K bonus miles each anniversary when you also hold a United Business card
- 25% back as a statement credit on United inflight purchases (food, beverages, and Wi-Fi) and Club premium drinks
- Complimentary DoorDash DashPass for 12 months (must activate by 12/31/27)
The United Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to United GatewayOct 8, 2026
- changed from 30K miles after $1K spend in first 3 months. Plus, earn an extra 10K miles after you add an authorized user to your account in the first 3 months to 40K miles after $1K spend in first 3 months. Plus, earn an extra 10K miles after you add an authorized user to your account in the first 3 monthsOct 1, 2026
- changed from null to 1000Aug 13, 2026
- changed from null to 90Aug 13, 2026