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Terms read from Chase's page on Oct 16, 2026.
Year 1, after fees
estimated value, about $1,016, based on 1.2 cents per point
Year 2+, after fees
estimated value, about $536, based on 1.2 cents per point
every year after
3 years, after fees
estimated value, about $2,089, based on 1.2 cents per point
Break-even
No fee
Earn rate by category
Points at 1.20¢ each (lowest published value); published range 1.2¢ to 1.3¢. Source: The Points Guy monthly valuations, October 2026.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | ~$644 | ~$164 | ~$972 | No fee |
| Couple ($2,555/mo) | ~$885 | ~$405 | ~$1,696 | No fee |
| Family ($3,350/mo) | ~$1,016 | ~$536 | ~$2,089 | No fee |
| Frequent traveller ($3,880/mo) | ~$1,125 | ~$645 | ~$2,415 | No fee |
| Big spender ($7,960/mo) | ~$1,756 | ~$1,276 | ~$4,308 | No fee |
Who it suits
- People who spend a lot on gas and flights, where it earns above its base rate.
- Spending abroad: no foreign transaction fee.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- None
- Purchase APR
- 19.99% to 28.49% (variable)
- Intro APR on purchases
- 12 months, then the purchase APR
Rewards
- 2x on united purchases (assumed half of your flight spending is with United)
- 2x on gas stations
- 2x on local transit and commuting, including rideshare
- 1x on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: United MileagePlus points at 1.20 cents each: no redemption style chosen, so its lowest published value (it has no cash redemption). Source: The Points Guy monthly valuations, October 2026.
- Welcome bonus: 40,000 miles after $1,000 in purchases in the first 3 months. Your spending meets it in month 1.
- Note: 10,000 miles for adding an authorized user aren't counted.
Perks, listed but not valued
- 25% back on United inflight purchases
- Two checked bag certificates after $10,000 a year
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's ~$536.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Frequently asked questions
Is the Chase United Gateway worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth ~$1,016 in year 1 and ~$536 a year after that, after no annual fee.
What is the Chase United Gateway welcome offer?
40,000 miles after $1,000 in purchases in the first 3 months.
Does the Chase United Gateway charge foreign transaction fees?
No. The issuer states no foreign transaction fee.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.