Chase

United Gateway

No AF0% APR · 12mo⚡ ALL-TIME HIGH★ Keeper

What it is

The United Gateway is a Chase card earning United MileagePlus miles. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. United's no-annual-fee starter — a cheap way to begin earning United miles. Mostly a stepping stone before the fee-carrying United cards.

Offer history

Current offer

30,000

$390 bonus · $405 year 1

Spend to earn

$1k

~$333/mo · 90d

All-time high

30,000

now

Timing

At its peak

matches all-time high

Value over time· last 5 yrs

Plot

Year 1 (incl. perks)Bonus $Spend / mo (right)All-time highProduct refresh

Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.

Offer	Bonus	Value	Year 1	Return	Date
PUBLIC ATH	30,000$1k · 90d	$390	$405	39%	Apr ’26
AF $0 · benefits updated · Apr 2026
PUBLIC	30,000$1k · 90d	$390	$390	39%	Jan ’24
PUBLIC	20,000$1k · 90d	$260	$260	26%	Oct ’20

What you get

No foreign transaction feesTrip cancellation insurance0% intro APR

United inflight credit$50per year
25% back on United inflight purchases. Added April 2026 refresh. Editorial ~$50/yr. 2 free bags after $10k spend = spend-tier, excluded.

Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.

The receipt

default values

SUB value	+$390
30,000 United × 1.30¢/pt
Ongoing benefits (yr 1)	+$15
United inflight credit($50 × 30%) United inflight credit $50 × 30% $15
Annual fee	$0
Year 1	$405
Return on $1k MSR	39%