The Chase United Gateway℠ Card is a good option if you’re looking for a no-annual-fee credit card that earns United Airlines miles.
With this card, you’ll earn 2 miles per $1 spent on United purchases, as well as at gas stations, local transit, ridesharing, and commuting.
Plus, you’ll get 1 mile per $1 spent on all other purchases. There’s no annual fee with this card, so it’s a good option for budget-minded travelers.
- Earn 20,000 United Bonus Miles for Spending $1,000 in the First 3 Months
- 2X Miles on United Purchases, at Gas Stations, Local Transit, Ridesharing, and Commuting
- 25% Savings on United In-Flight Food and Drinks
- Purchase Protection and Extended Warranty
- No Annual Fee
Welcome Bonus
The United Gateway Card offers a welcome bonus of 20,000 United miles after you spend $1,000 on purchases in the first 3 months your account is open.
Earning Points
The United Gateway Card offers nice rewards for a no-annual fee card:
- 2 miles per dollar on United purchases (including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, baggage service charges, and other United purchases).
- 2 miles per dollar on gas station purchases.
- 2 miles on local transit and commuting, including rideshare services, taxis, train tickets, tolls, and mass transit.
- 1 mile per dollar on all other eligible purchases.
No Annual Fee
One of the best aspects of the United Gateway Card is that it allows you to earn rewards on United without having to pay an annual fee.
Benefits of the Chase United Gateway Card
Below are the benefits that come with the Chase United Gateway Credit Card:
Secondary Rental Car Insurance
Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.
Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.
But there are situations where this secondary insurance becomes the primary insurance, including when renting a car outside the U.S. and your personal car insurance does not cover you in that country, or if you don’t have collision insurance.
You still need to maintain liability car insurance to cover damage to another person or property.
No Foreign Transaction Fees
This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.
Trip Cancellation / Interruption Insurance
When you’re planning a trip, the last thing you want to worry about is whether or not your travel plans will be covered if something goes wrong. That’s where credit card trip cancellation and interruption insurance comes in.
Trip cancellation and interruption insurance reimburse you for non-refundable expenses if your trip is interrupted or canceled for a covered reason such as illness, severe weather, or an accidental injury.
To be eligible for trip cancellation and interruption insurance, you’ll need to pay for your travel expenses using this card.
Travel is crazy enough without having to worry about being out of pocket if something goes wrong, so I always suggest booking all travel with a card that offers travel protections.
Extended Warranty
Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.
Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.
The maximum coverage is $10,000 per item and $50,000 per cardholder.
For example, if you bought a TV with a manufacturer’s warranty of three years, then this card would extend the warranty for free to the fourth year.
But if the TV comes with a four or five-year warranty, you should consider using an American Express or Citi credit card, which covers warranties up to 5 years.
Purchase Protection For 120 Days
Purchase protection can save you a lot of money if you bought an eligible item that is damaged or stolen within 120-days.
For example, if accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if it was purchased within the last 120 days.
Coverage for this benefit is limited to $500 per claim and up to $50,000 per cardholder.
- Earn 20,000 United Bonus Miles for Spending $1,000 in the First 3 Months
- 2X Miles on United Purchases, at Gas Stations, Local Transit, Ridesharing, and Commuting
- 25% Savings on United In-Flight Food and Drinks
- Purchase Protection and Extended Warranty
- No Annual Fee
