Chase United Gateway
The Chase United Gateway from Chase has no annual fee. At $2,650 a month of typical household spending it pays about $411 a year after fees, $225 less than the Citi Double Cash, a flat 2% card.
Terms checked October 24, 2026. Net values use the spending mix of 1,229 U.S. households in the Bureau of Labor Statistics' Consumer Expenditure Interview Survey. This is an estimate, not financial advice.
What does the Chase United Gateway earn?
2x United purchases; 2x gas; 2x transit; 1x on everything else.
Not counted in the numbers on this page:
- MileagePlus member miles on United flights (3x) are not card earn (5x total)
How much would it pay you a year?
This is the card's rewards minus its annual fee, at three spending levels, with spending split the way the survey households split theirs. Statement credits and sign-up bonuses are left out.
| Spending a month | Chase United Gateway | Citi Double Cash (2%) |
|---|---|---|
| $1,500 | $233 | $360 |
| $2,650 (the survey median) | $411 | $636 |
| $5,000 | $775 | $1,200 |
The mix is 30% everything else, 25% groceries, 16% phone and utilities, 13% dining, and smaller shares elsewhere. Your own split decides the real answer: add your statements to work it out on what you actually spent.
How did it do for real households?
We ran each of the 1,229 households in the 2024 survey through every card, on 12 straight months of their own spending. It was never the best of the 53 cards for any household, and never paid more than the Citi Double Cash, a flat 2% card. For the median household it paid $220 a year less than the flat 2% card.
The survey records spending categories but not merchants, so merchant bonuses and statement credits never count there, which favors flat cards. How we ran the household test.
Fees and sign-up bonus
- Annual fee: $0.
- Foreign transaction fee: none.
- Sign-up bonus: 40,000 points ($480 at 1.2¢ a point) after $1,000 of spending in 3 months. Offers change and can differ by applicant, so check the issuer's page.
Other benefits
- Two free checked bag certificates: earned after $10,000 spend in a calendar year
- 25% back on inflight and Club premium drinks: statement credit on food, drinks and Wi-Fi on United flights
- Award discount: 10%+ off miles pricing after $10,000 annual spend
- Trip cancellation / interruption insurance: up to $1,500 per traveler, $6,000 per trip
- Auto rental collision: secondary in US
- Purchase protection: 120 days, up to $500 per item
- Extended warranty: adds 1 year
Cards that pay about the same
At $2,650 a month, these pay closest to the Chase United Gateway:
- Bank of America Premium Rewards: $413 a year
- Amex Hilton Honors Surpass: $402 a year
- Capital One VentureOne: $398 a year
- Chase Marriott Bonvoy Boundless: $392 a year
See what it would have paid you
Add your statementsFree, in your browser. Your statements are never uploaded.
PointMaxx runs a year of your own card statements against 53 U.S. cards, after annual fees, caps and the credits you'd really use. No statements on hand? The quick estimate asks seven questions instead.
Sources
- theexplorercard.com/rewards-cards/gateway-card
- awardwallet.com/credit-cards/united-mileageplus/united-gateway-card/
- thepointsguy.com/credit-cards/united-cards-sign-up-offers
- creditcards.chase.com/travel-credit-cards/united/united-gateway
- nerdwallet.com/credit-cards/reviews/united-gateway
- Household spending: BLS Consumer Expenditure Surveys public-use microdata, 2024 Interview Survey.
See a wrong rate? Tell us. PointMaxx is not affiliated with or endorsed by Chase; the card's name is used only to say which card is meant.