United Gateway Card
By Alex Compton · Last verified
United miles with no annual fee and no FTF.
Welcome Bonus
40,000
≈$480 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: Public offer: 40,000 miles after $1,000 in 3 months, plus 10,000 more for adding an authorized user in the first 3 months (up to 50,000 total)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 4 tracked offers going back to 2021, nothing has beaten 40k.
Current offer
40k
All-time high
40k
Typical offer
25k
In place since
October 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 40,000 | $1,000 in 3 mo | Bonus increased: 20,000 → 40,000Public offer: 40,000 miles after $1,000 in 3 months, plus 10,000 more for adding an authorized user in the first 3 months (up to 50,000 total) | Chase United Gateway product page → |
| 2026-06 | 20,000 | $1,000 in 3 mo | Bonus decreased: 30,000 → 20,000 | Archive record · no attached snapshot |
| 2024-05 | 30,000 | $1,000 in 3 mo | Bonus increased: 20,000 → 30,000Elevated offer | Archive record · no attached snapshot |
| 2021-01 | 20,000 | $1,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Offer now 40k after $1k in 3 months plus 10k for an authorized user; card now gives 2 free checked bags and a 10% award discount after $10k yearly spend; expanded saver availability no longer listed.
Fields: bonus, benefits, pros, cons, ourTake, earningRates, applyUrl
Chase United Gateway product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xUnited purchases
- 2xGas stations and local transit, including rideshare
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Two free checked bags each year after $10,000 in calendar-year spend
- ✦10% off flights booked with miles after $10,000 in calendar-year spend
- ✦25% back on United inflight and Club premium drink purchases
- ✦0% intro APR on purchases for 12 months
- ✦No foreign transaction fees
Why it earns its spot
- +Keeps MileagePlus miles alive at no cost
- +2x gas and transit on a free card
- +Up to 50,000 bonus miles is a strong offer for a no-fee card
Where it costs you
- −Checked bags and award discount only unlock after $10,000 in yearly spend
- −Counts against Chase 5/24
The Compound Verdict
A keeper card, not a flagship. The current 40,000 mile offer, plus 10,000 for adding an authorized user, makes it a reasonable first United card for people who will not pay a fee. Many still earn the bonus on a United Explorer and downgrade here later to hold the miles for free.
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