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2026.4 Replace: The brand new welcome provide is 100k. Supply ends on 2026.5.20. Additionally, there’s a brand new profit added on all UA cobranded playing cards: 10% off on UA award flights. For the no charge card UA Gateway card, you could spend $10k in a calendar 12 months to get this profit, whereas for all different UA cobranded playing cards with an annual charge, you get this profit so long as you maintain the cardboard.
2026.1 Replace: The brand new welcome provide is 90k. Supply ends on 2026.4.1.
2025.6 Replace: The brand new welcome provide is 110k! That is one of the best ever provide on this card. [2025.8 Update] The welcome provide is now lowered to 80k.
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Advantages
- 100k provide: earn 90,000 United miles after spending $4,000 in 3 months. Earn 10,000 extra miles if you add a licensed person within the first 3 months. That’s 100k miles in whole. The current finest provide is 110k.
- We worth UA miles at 1.5 cents (Airline Miles Worth). So the 110k highest welcome provide is price about $1,650! See A Newbie’s Information to UA Miles to examine for particulars about UA Miles.
- Earn 4x UA miles on United; earn 2x UA miles on journey, eating places, and choose streaming companies; earn 1x UA mile per greenback spent on all different purchases.
- [New] $200 United TravelBank money: Routinely obtain $200 in United TravelBank money after account opening and yearly in your account anniversary. This profit changed the earlier $125 credit score on United purchases.
- [New] Annual 10,000-mile award flight low cost: Beginning along with your first anniversary and each anniversary thereafter, you’ll get a ten,000-mile low cost to make use of towards an eligible award flight. This profit changed the earlier two 5,000-mile anniversary award flight credit.
- [New] Earn a ten,000-mile award flight low cost after spending $20,000 every calendar 12 months.
- [New] There are numerous coupons on this card now, see subsequent part beneath.
- [New] 10% off on UA award flights.
- First and second checked bag free on United flights when buying tickets (or paying the tax and charges for award tickets) with this card..
- Group 2 boarding on United flights when buying tickets (or paying the tax and charges for award tickets) with this card.
- Earn 25% again on in flight purchases.
- Get 25% bonus miles on MileagePlus X purchases.
- Extra award availability (XN cabin) with this card.
- As much as $100 World Entry or TSA Pre✓® Payment Credit score.
- With this card, you’ll be able to redeem your UA miles in direction of annual charge at a hard and fast ratio 1.60 cents/level.
- Main automobile rental insurance coverage.
- No overseas transaction charge.
- Refer a good friend (focused): You possibly can earn 5,000 bonus UA miles for each authorized account you refer, as much as a most of 10 authorized referrals (50,000 UA miles) per calendar 12 months.
Numerous Coupons
- $150 Famend Accommodations and Resorts credit score: Obtain as much as $150 again in assertion credit every anniversary 12 months on lodge lodging if you prepay immediately by Famend Accommodations and Resorts with this card.
- $80 Avis/Price range credit score: Obtain $40 in United TravelBank money, as much as $80 every anniversary 12 months, in your 1st and 2nd Avis or Price range automobile rental booked immediately by automobiles.united.com and paid for with this card.
- $100 rideshare credit score: Enroll to obtain as much as $100 again as assertion credit every calendar 12 months on rideshare purchases when paying with this card: $8 again as a press release credit score every month from January by November and as much as $12 again for the month of December. Yearly opt-in is required.
- $180 Instacart credit score: Obtain one $10 Instacart credit score and one $5 Instacart credit score month-to-month, as much as $180 whole every calendar 12 months, for purchases made immediately by Instacart with this card. Phrases apply. Advantages finish 12/31/27.
- $150 JSX credit score: Stand up to $150 again as a press release credit score every anniversary 12 months if you guide flights immediately with JSX utilizing this card. JSX is a hop-on jet service that gives a semi-private flying expertise at industrial fares.
Drawback
- [New] Annual charge $350, NOT waived for the primary 12 months.
Beneficial Utility Time
- [5/24 Rule] When you’ve got 5 or extra new accounts opened previously 24 months, Chase won’t approve your software on this card, regardless of how excessive your credit score rating is. The variety of new accounts consists of all bank card accounts, not solely Chase accounts. See this publish for particulars about how one can probably bypass this rule.
- You aren’t eligible for this sign-up bonus if you happen to obtained a sign-up bonus on this card inside 24 months. Be aware that what issues right here is the time you bought the sign-up bonus, not the time you opened or closed the account.
- Don’t apply for greater than 2 Chase bank cards inside 30 days, or it’s extremely seemingly that you’re going to get rejected.
- We suggest you to use for this card after you’ve a credit score historical past for greater than a 12 months.
Abstract
The sign-up bonus on this card could be very good, so it’s price making use of. Nevertheless, this card has develop into a coupon guide. In the event you fly United quite a bit, then $200 United TravelBank money plus 10,000-mile award flight low cost (about ~$150 in worth) can considerably offset the $350 annual charge. In the event you can additional make the most of a coupon just like the $150 Famend Accommodations and Resorts coupon, then you will get greater than the annual charge. In the event you hate spending time on this type of factor, you’ll be able to contemplate downgrading it to the no charge Chase United Gateway card after one 12 months.
Associated Credit score Playing cards
| Chase UA Gateway | Chase UA Explorer | Chase UA Enterprise | Chase UA Quest | Chase UA Membership | Chase UA Membership Enterprise | |
|---|---|---|---|---|---|---|
| Annual Payment | 0 | $150 | $150 | $350 | $695 | $695 |
| Numerous Credit | – | $100 United Accommodations credit score; $60 Rideshare credit score; $50 Avis/Price range credit score; and so forth. | $100 United Accommodations credit score; $100 Rideshare credit score; $50 Avis/Price range credit score; and so forth. | $200 United TravelBank money; 10,000-mile award flight low cost; $150 Famend Accommodations and Resorts credit score; $100 Rideshare credit score; $80 Avis/Price range credit score; and so forth. | $200 Famend Accommodations and Resorts credit score; $150 Rideshare credit score; $100 Avis/Price range credit score; and so forth. | $200 Famend Accommodations and Resorts credit score; $100 Avis/Price range credit score; $150 Rideshare credit score; and so forth. |
Beneficial Downgrade Choices
After Making use of
- Name 800-436-7927 to examine Chase software standing. That is an automatic phone line, and the data has the next meanings: Obtain resolution in 2 weeks means your software might be authorized; Obtain resolution in 7-10 days means your software might be rejected; Obtain resolution in 30 days merely means your software requires additional assessment and there’s nothing to inform you for now.
Historic Provides Chart
Be aware: Generally there are provides comparable to 80k+20k on this card, however the spending requirement for the latter half is big. Due to this fact, we don’t deal with them as sign-up bonus; as a substitute, we deal with them as spending bonus.
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