The United Gateway Credit Card offers a compelling blend of benefits tailored for travelers and everyday spenders alike. Cardholders can earn 30,000 bonus miles after qualifying purchases, enjoy 2x miles on United purchases, and receive 25% back on United inflight and Club premium drink purchases. With no annual fee, a 0% intro APR on purchases for 12 months, and no foreign transaction fees, the card provides flexibility and rewards opportunities designed to enhance the travel and spending experience for its users.
Features
- Earn 30,000 Bonus Miles. New cardholders can earn 30,000 bonus miles after making qualifying purchases within the first three months, providing a substantial boost towards travel rewards.
- 2x Miles on United Purchases. Cardholders earn 2 miles per dollar spent on United Airlines purchases, including flights and other United-operated services, maximizing rewards for frequent flyers.
- 25% Back on United Inflight and Club Purchases. Enjoy a 25% statement credit on purchases of food, beverages, and Wi-Fi onboard United-operated flights and on Club premium drinks, enhancing the inflight experience.
Pros and Cons
Pros
No Annual Fee. This card charges no annual fee, making it accessible for budget-conscious travelers seeking rewards without additional costs.
0% Intro APR on Purchases. Benefit from a 0% introductory APR for the first 12 months from account opening on purchases, ideal for managing large expenses or travel purchases over time without accruing interest.
No Foreign Transaction Fees. Cardholders can make purchases abroad without incurring foreign transaction fees, saving money on international travel expenses.
Cons
Variable APR After Introductory Period. After the introductory period, the APR can become relatively high, which may not be favorable for cardholders who carry a balance beyond the introductory period.
Limited Travel Benefits Beyond United Airlines. While it offers strong benefits for United-related purchases, travelers seeking broader travel perks or lounge access may find the benefits somewhat limited.
Qualification Restrictions for Bonus Miles. The offer of bonus miles is contingent on meeting spending requirements within a specific timeframe, which may not align with all cardholders' spending habits or abilities.
How to Apply for a United Gateway Credit Card
Online
Explore Credit Card Options. Browse through the available credit card options to find the United Gateway Credit Card. Click on the card to access more details.
Review Card Details. Take your time to review the features, benefits, and terms of the United Gateway Credit Card to ensure it meets your needs.
Initiate Application. Look for the "Apply Now" button to start the application process. Click on it to proceed.
Fill Out Application Form. Complete the online application form with accurate personal, financial, and contact information as required. Ensure all fields are filled correctly.
Submit Application. After filling out the form, review the information provided to avoid any errors. Once satisfied, submit your application.
Wait for Approval. After submission, the bank will review your application. You may receive an instant decision or have to wait a few days for a response.
Receive Card. If approved, your United Gateway Credit Card will be mailed to the address provided during the application process.
Mobile App
Log In or Register. Open the Chase mobile app and log in to your existing online banking account. If you're a new user, you may need to register for mobile banking by providing your account details and creating login credentials.
Navigate to Credit Cards. Once logged in, navigate to the section of the app dedicated to credit cards or banking products. This may be accessible from the main menu or homepage.
Find United Gateway Card. Look for the United Gateway Credit Card among the available options. Tap on the card to view more details.
Start Application. Locate the option to apply for the United Gateway Credit Card within the app. It may be labeled as "Apply Now" or something similar. Tap on it to initiate the application process.
Complete Application Form. Fill out the application form provided in the app with accurate information, including personal, financial, and contact details. Double-check for accuracy before proceeding.
Submit Application. After completing the form, review the information provided to ensure accuracy. Once verified, submit your application through the mobile app.
Wait for Response. The bank will review your application. Depending on their process, you may receive an instant decision or have to wait for a few days to receive a response.
Receive Confirmation. If approved, you'll receive confirmation within the app or via email. Your United Gateway Credit Card will be mailed to the address provided during the application process.
In Bank's office
Research and Preparation. Begin by researching the various credit cards offered by Chase to determine which best suits your needs and preferences. Consider factors such as rewards, interest rates, annual fees, and benefits.
Gather Necessary Documents. Collect all required documents, such as a valid photo ID (e.g., driver's license or passport), Social Security number, proof of income (e.g., pay stubs or tax returns), and any other relevant financial information.
Visit a Chase Branch. Locate the nearest Chase branch by using the Chase website or mobile app. Plan your visit during the branch’s operating hours.
Meet with a Chase Representative. Once at the branch, request to speak with a representative about applying for a credit card. The representative will guide you through the process, answer any questions, and provide you with the necessary forms.
Complete the Application Form. Fill out the application form provided by the representative. Ensure all information is accurate, including personal details, employment information, and financial data.
Submit Your Application. After completing the form, submit it to the representative along with your supporting documents. The representative will review your application for completeness and accuracy.
Wait for Approval. The representative will submit your application for processing. Approval times can vary; in some cases, you may receive an instant decision, while others may require further review. You will be notified of the decision by mail or email.
Receive Your Card. If approved, your new credit card will be mailed to you. Upon receiving your card, follow the instructions to activate it and begin using it to earn rewards and manage your finances effectively.
Infographic
Eligibility Requirements
Credit Score. Applicants should have a good to excellent credit score (considered 670 or higher) to qualify for the United Gateway Credit Card.
Income. Applicants should have a stable source of income that supports their ability to manage credit card payments and potential debt.
Age. Applicants must be at least 18 years old (19 in Alabama and Nebraska, and 21 in Puerto Rico) to apply for the card.
United States Residence. Applicants must have a valid permanent home address within the 50 United States, the District of Columbia, Guam, Puerto Rico, or the US Virgin Islands, or have a United States military address.
Existing Chase Relationships. Chase may consider an applicant's existing relationship with the bank, including other credit card accounts or banking relationships, when evaluating eligibility.
Previous Chase Card History. Applicants who currently hold or have recently received a new Cardmember bonus for this specific Chase card within the past 24 months may not be eligible for another bonus.
Reasons You May Be Denied a Card
Insufficient Credit History. If you have a limited credit history or no credit history at all, the issuer may be unable to assess your creditworthiness, which could result in a denial of your credit card application.
Low Credit Score. A low credit score, often indicative of past financial difficulties or missed payments, may lead to a denial of your credit card application. Credit scores below a certain threshold may be considered risky by the issuer.
High Debt-to-Income Ratio. If you have a high debt-to-income ratio, meaning you have significant outstanding debt relative to your income, the issuer may view you as a higher credit risk and deny your application.
Recent Bankruptcy. If you have filed for bankruptcy recently, you may be denied a credit card as it indicates financial instability and an increased risk for the issuer.
Delinquent Accounts. If you have a history of late payments, defaults, or delinquent accounts on your credit report, it may signal to the issuer that you are not financially responsible and may lead to a denial of your application.
Multiple Recent Credit Applications. Applying for multiple credit cards or loans within a short period, especially if accompanied by rejections, may raise concerns for the issuer about your financial stability and lead to a denial.
How to Pay Off Credit Card Debt
Access Your Account. Sign in to your Chase online banking account or mobile app to access your credit card information.
Review Your Balance. Take a moment to examine your outstanding balance, including any accumulated interest or fees.
Choose a Payment Method. Determine how you wish to proceed with your payment. Chase provides several convenient options, such as online banking, mobile banking, in-person at a financial center or ATM, by phone, or through the mail.
Online Payment. If you opt for online payment, log in to your account, proceed to the bill pay section, and follow the prompts to initiate a payment. You can select to pay the minimum amount due, the full balance, or a customized amount.
Mobile Payment. Alternatively, you can utilize the Chase mobile banking app to complete a payment. Choose your United Gateway credit card account and follow the prompts to finalize the payment process.
In-Person Payment. For those preferring in-person transactions, visit a Chase financial center or ATM. You can make a payment using cash, a check, or your debit card at the ATM, or seek assistance from a representative at the financial center.
Phone Payment. To make a payment over the phone, dial the Chase customer service number and follow the automated instructions to navigate to the payment section. From there, you can complete the payment using your checking account or debit card.
Mail Payment. Lastly, if mailing your payment suits your preference, utilize the payment address provided on your billing statement. Ensure to include your United Gateway credit card account number on the check or money order and allow adequate time for delivery.
Confirm Payment. Following your payment submission, verify that it has been successfully processed. You can check your account balance online or via the mobile app to confirm the payment's application to your United Gateway credit card debt.
Editorial Opinion
The United Gateway Credit Card offers a range of benefits tailored towards travelers, including generous rewards on United Airlines purchases, a competitive sign-up bonus, and valuable perks such as statement credits on inflight purchases. However, potential applicants should consider factors such as the card's eligibility requirements and the variable APR after the introductory period. Overall, it presents a solid option for United Airlines loyalists seeking to maximize rewards without an annual fee, though individuals should review their spending habits and credit standing to determine if it aligns with their financial goals and travel preferences.
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