Chase · Visa · personal · United MileagePlus
Web-verified 2026-09-07.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee
0%
foreign txn fee
$0
credits/yr realistic ($0 face)
$405
sign-up bonus ≈ 30000 miles after $1,000/3mo
Earning
| United Airlines (Airfare (booked direct))
2x miles on all eligible United purchases (tickets, seat upgrades, inflight, bag fees). Chase advertises '5x total miles on eligible United flights' = 3x base MileagePlus flying miles + 2x from the card; Basic Economy earns fewer base miles.
|
2x | 2.7% |
| Gas stations
2x miles at gas stations
|
2x | 2.7% |
| Transit
2x miles on local transit and commuting: ride share services, taxicabs, train tickets, tolls, and mass transit
|
2x | 2.7% |
| Everything else
1x mile on all other purchases
|
1x | 1.35% |
Right column: value per $ at travel valuation (1.35¢/pt). Conservative 1¢; TPG ~1.35¢.
Credits
None.
Benefits
- No annual fee
- No foreign transaction fees
- 25% back on United inflight and Club premium drink purchases — 25% back as a statement credit on food, beverages and Wi-Fi bought on United-operated flights and on premium drinks in United Clubs; posts within 24 hours.
- 2 checked-bag certificates after $10,000 calendar-year spend — Earn two standard checked bag certificates (up to ~$100 value) after $10,000 in purchases in a calendar year; valid on United and United Express-operated flights.
- Award flight discount after $10,000 spend — Save 10% or more on United award flights booked with miles after spending $10,000 in a calendar year (Premier members save more). Marked NEW on Chase's page in 2026; previously the Gateway's reduced award pricing had no spend requirement.
- 0% intro APR on purchases for 12 months — 0% intro APR for 12 months from account opening on purchases, then 19.74%-28.24% variable.
- Visa Signature Concierge — 24/7 complimentary concierge service.
- MileagePlus perks — No blackout dates on award flights, miles never expire, access to United Card Events and MileagePlus Exclusives.
- Secondary rental car collision coverage — Secondary for personal rentals in the U.S.; primary outside the U.S. or when renting for business.
- Trip cancellation / interruption insurance — Up to $1,500 per person and $6,000 per trip.
- Purchase protection — 120 days, up to $500 per claim and $50,000 per account.
- Extended warranty — Extends U.S. manufacturer warranties of 3 years or less by 1 additional year.
Protections
| purchase protection | 120 days, up to $500 per claim / $50,000 per account (90 days for NY residents) |
| extended warranty | +1 year on warranties of 3 years or less (up to 4 years total) |
| trip cancellation | Up to $1,500 per person / $6,000 per trip |
| rental car | secondary |
Notes
Entry-level no-fee United card (Visa Signature). Earns no Premier Qualifying Points. United refreshed its consumer cards on 2025-03-24: the Gateway kept its $0 fee and 2x/2x/2x/1x earning but gained two checked-bag certificates after $10,000 calendar-year spend, while its discounted award pricing now also requires $10,000 of calendar-year spend (previously unrestricted). Chase 5/24 rule applies. Miles post to the primary cardmember's MileagePlus account.
Verified 2026-09-07 · confidence high · sources: 1, 2, 3, 4, 5, 6