HomeCardsChase United Gateway
Chase United Gateway
Chase

Chase United Gateway

Annual fee
$0
Rewards
United MileagePlus Miles
Benefits
7 · $0/yr
Data verified Aug 18, 2026 · from the MaxWorth database · not endorsed by Chase · disclaimer
Ranked in: #14 · Transit

Earn Rates

CategoryRateTrue cash-back value
United 2x 2.6%
Gas 2x 2.6%
Transit 2x 2.6%
Everything else 1x 1.3%

True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.

Status & Elite Perks (2)

25% Back on United Inflight and Club Premium Drink Purchases

Annual

Get 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card.

First 2 Checked Bags free

Annual

Earn two checked bags on United- or United Express-operated flights after spending $10,000 in a calendar year with your United Gateway Card.

Protections (5)

Auto Rental Coverage

Annual

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles.

Extended Warranty Protection

Annual

Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.

Purchase Protection

Annual

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.

Trip Cancellation and Interruption Insurance

Annual

You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.

Visa Concierge Service

Annual

Get complimentary Visa Signature Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

Stop tracking this in a spreadsheet.

The MaxWorth app tracks all 7 Chase United Gateway benefits automatically — redemption progress, reset dates and expiry alerts.

Download on the App Store