United Gateway℠ Card from Chase: annual fee, APR and rewards

Fact sheet for the United Gateway℠ Card, issued by Chase, with no annual fee, an intro APR offer and miles. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Chase
Network	Visa
Annual fee	$0
Rewards	Miles: 5x total miles on eligible United flights; 2x miles on all other eligible United purchases; 2x miles at gas stations; 2x miles on local transit and commuting; 1x mile on all other purchases
Purchase APR	19.99% to 28.49% variable APR
Intro APR	0% intro APR for 12 months from account opening on purchases
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Sign-up bonus	Earn 40,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 27.24%, with a range of 19.74% to 28.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.