Chase United Gateway
Chase · Visa · no annual fee · earns United MileagePlus, valued at 1.20¢ a point.
Rates checked against the issuer 2026-09. Foreign transaction fee: not recorded here.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $343, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $343 a year on the illustrative household's spending, which puts it number 32 of 38 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | Conditions |
|---|---|---|
| Flights | 2x | United Airlines only · United purchases only |
| Gas Stations | 2x | |
| Public Transit, Rideshare & Taxis, Parking & Tolls | 2x | Local transit and commuting — rideshare, taxis, trains, tolls and mass transit |
| Everything else | 1x |
Where a year's rewards come from
| Spending on | Earns a year |
|---|---|
| Groceries | $72 |
| Everything Else | $72 |
| Restaurants & Bars | $43 |
| Gas Stations | $43 |
| Online Shopping | $22 |
| Utilities | $22 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
Similar cards
- American Express Delta SkyMiles Blue — annual fee none
- Bank of America Atmos Rewards Ascent Visa Signature — annual fee $95 a year
- Citi AAdvantage Platinum Select — annual fee $99 a year
- Chase Rapid Rewards Plus — annual fee $99 a year
- Every airline card, ranked
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.
Carry this card?
Cardful tells you at the checkout whether it is the right one to use, store by store.