United Gateway℠ from Chase Review

All benefits

• Miles
  • 2x Per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, baggage service charges and other United purchases.
  • 2x Per $1 spent at gas stations.
  • 2x Per $1 spent on local transit and commuting, including ride share services, taxicabs, train tickets, tolls, and mass transit.
• Travel
  • 25% Back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your United Gateway Credit Card.
  • No foreign transaction fees:
  • Purchases made with your Gateway Card outside the U.S. will not be subject to foreign transaction fees.
  • The Luxury Hotel & Resort Collection:
  • This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay.
  • United Card Events from Chase and United MileagePlus Events:
  • Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences. Sample select wines and satisfy your palate with culinary events at some of the world’s best restaurants, meet a sporting legend or make memories with your family. United MileagePlus® Visa Signature® Cardmembers may also use award miles to enjoy exclusive experiences, such as winemaker dinners and other unique virtual events.
  • Auto Rental Collision Damage Waiver:
  • Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
  • Trip Cancellation / Trip Interruption Insurance:
  • You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by covered situations like sickness or injury.
  • Visa Concierge:
  • Get complimentary Visa Signature® Concierge Service 24 hours a day.

Rate and fee information

• Purchase Intro APR
  • 0% Intro APR for the first 12 months that your Account is open
• Purchase APR
  • 21.99% - 28.99% Variable
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • 21.99% - 28.99% Variable
• APR for Cash Advances
  • 29.99% Variable
• How to Avoid Paying Interest
  • Your due date will be a minimum of 21 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

Pros & Cons

Features

• 0% Intro APR
• No Annual Fee
• No foreign transaction fees
• Payment Flexibility
• Fraud Protection
• Rewards
• Purchase Protection
• Extended Warranty Protection
• Travel
• Airline
• Trip Cancellation
• Auto Rental Insurance
• 24/7 Travel Assistant
• Good Credit
• Excellent Credit