Our illustration in the card’s colours, not its design
Chase credit card
United Gateway Card
- APR up · 19.74% to 19.99% · Oct 10, 2026
- Bonus up · 40,000 to 50,000 · Oct 2, 2026
No annual fee. 50,000 miles after you spend $1,000 in 3 months. Purchase APR 19.99–28.49%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“50,000 bonus miles”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“0% intro APR for the first 12 months from account opening on purchases. † After that, a variable APR of 19.99%– 28.49%. †”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
50,000 miles
After you spend $1,000 on purchases in your first 3 months.
- Spending it takes
- $333 a month
- for 3 months
- Tracking since
- Nov 1, 2026
- history will chart every change
The 10,000-mile authorized-user bonus is awarded once for the first authorized user added. Bonus miles do not count toward Premier status. Miles generally post 6 to 8 weeks after qualifying activity.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“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.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $630 | $130 | |
| Typical spender | $825 | $325 | |
| Heavy spender | $1,340 | $840 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; not counted: 8x 8x total miles on eligible United flights after spending $10,000 on purchases in a calendar year. In addition to the 2x miles on the entire United purchase with the United Gateway Card, you’ll earn 6x miles on fare from United as a MileagePlus member..
$130a year
$630 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.
$325a year
$825 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$840a year
$1,340 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 8x 8x total miles on eligible United flights after spending $10,000 on purchases in a calendar year. In addition to the 2x miles on the entire United purchase with the United Gateway Card, you’ll earn 6x miles on fare from United as a MileagePlus member.; points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 75% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 35% of the 163 cards on our Sign-up bonuses list (see the list).
Other miles cards with no annual fee
- Capital One VentureOne BusinessCapital One · No annual fee+$125 a year
- VentureOne RewardsCapital One · No annual fee+$50 a year
- VentureOne Rewards for Good CreditCapital One · No annual fee+$50 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
United MileagePlus
How you earn
- 8×
- 8x total miles on eligible United flights after spending $10,000 on purchases in a calendar year. In addition to the 2x miles on the entire United purchase with the United Gateway Card, you’ll earn 6x miles on fare from United as a MileagePlus member.
- 5×
- 5x total miles on eligible United flights - 3x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 2x miles on entire United purchase with the United Gateway Card. Mileage earning differs for Basic Economy or base option tickets. Premier members earn even more.
- 2×
- 2x miles on all other eligible United purchases.2x miles at gas stations.2x miles on local transit and commuting including ride share services, taxicabs, train tickets, tolls, and mass transit.
- 1×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
Changes
- Oct 10, 2026 APR 19.74% to 19.99%
- Oct 2, 2026 Bonus 40,000 to 50,000
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “0% intro APR for the first 12 months from account opening on purchases. † After that, a variable APR of 19.99%– 28.49%. †” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “0% Intro APR” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “19.99% to 28.49% , based on your creditworthiness and other factors.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · sites.chase.com “Either $5 or 5% of the amount of each transfer, whichever is greater.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- None · chase.com, since Oct 11, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Oct 10, 2026
- What is the purchase APR?
- 19.99–28.49% APR · chase.com, since Oct 10, 2026
- Is there an intro APR?
- 0% for first 12 months that your Account is open. · sites.chase.com, since Sep 29, 2026
- Is there a welcome bonus?
- 50,000 miles after $1,000 in purchases in 3 months. · chase.com, since Oct 2, 2026