United Gateway℠ Card Review (2024.11 Update: 30k Offer)
Non-affiliate disclosure: all information about the this card have been collected independently by US Credit Card Guide and has not been reviewed by the issuer.
2024.11 Update: The new offer is 30k.
2024.8 Update: The offer is back to 20k.
2024.6 Update: The new offer is 30k.Card art is changed.
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Benefits
- 30k offer: earn 30,000 United miles after spending $1,000 in 3 months.This is the best offer on this card.
- Earn 2 miles per $1 spent on United Airlines purchases, at gas stations and on local transit and commuting.
- Get 25% bonus miles on MileagePlus X purchases.(You don’t have to use this card to make the purchase; instead, you will get the bonus as long as you have this card under your UA account.)
- More award availability (XN cabin) with this card.
- Earn 25% back on in flight purchases.
- No foreign transaction fee.
- No annual fee.
Disadvantage
- There’s no free checked bag, priority boarding etc.
benefits.
Recommended Application Time
- [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is.The number of new accounts includes all credit card accounts, not only Chase accounts.See this post for details about how to possibly bypass this rule.
- You are not eligible for this sign-up bonus if you received a sign-up bonus on this card within 24 months.Note that what matters here is the time you got the sign-up bonus, not the time you opened or closed the account.
- Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
- We recommend you to apply for this card after you have a credit history for more than a year.
Summary
This card is suitable downgrade option for Chase United Explorer or Chase United Club.
We do not recommend to apply for it directly because the 5/24 slots are very valuable.Since holding this card gives you the ability to see expanded award availability (XN cabin), it is worth keeping in the drawer.
Related Credit Cards
Chase UA GatewayChase UA ExplorerChase UA Explorer BusinessChase UA QuestChase UA ClubChase UA Club BusinessAnnual Fee0$95$99$250$525$450Various Credits---$125 annual United purchase credit; Two 5,000-mile anniversary award flight credits--Sign-up Bonus20k70k with first year AF waived75k with first year AF waived90k120k75kHistorical Offers Chart
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Frequently Asked Questions
Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.
However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.
Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.
Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.
