United Gateway Card

Chase · US

Sign-up bonus

up to 50,000 United MileagePlus miles

Annual fee

Purchase APR

19.99–28.49% (varies by applicant)

Cash advance APR

28.74%

Intro purchase APR

0% for 12 months

Penalty APR

29.99%

Rate formula

Prime 7% + 12.99–21.49%

FX markup

0% (no fee)

Fees/APR in USD; SUB in raw points or USD; logged-out public offer, captured 2026-10-11

The full amount requires completing every spending tier below.

Bonus breakdown

spend bonus: 40,000 pts (spend $1,000 · within 3 months)
other: 10,000 pts (add an authorized user in the first 3 months from account opening · within 3 months)

United Gateway Card's public sign-up bonus climbed from 40,000 to 50,000 United MileagePlus miles on October 4, 2026.

Figures are the issuer's stated public control offer, captured 2026-10-11.

Tracked since 2026-07-22 (15 snapshots).