Chase United Gateway review
Its best category is transit, at 2.4% back, though other cards earn more there.
- Updated October 17, 2026
- $0 annual fee
- Earns United MileagePlus miles
- 106 cards compared
Who it suits
Chase United Gateway
- Earns the most on transit: $2.40 back on $100, #29 of 106.
- At United: $2.40 back on $100 (2.4%).
- No annual fee, so it earns from the first dollar.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on transitWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $1.20 1.2% | #100 of 106 |
| Groceries | $1.20 1.2% | #88 of 106 |
| Gas | $2.40 2.4% | #36 of 106 |
| Travel | $1.20 1.2% | #77 of 106 |
| Airfare | $1.20 1.2% | #77 of 106 |
| Hotels | $1.20 1.2% | #79 of 106 |
| Transit | $2.40 2.4% | #29 of 106 |
| Streaming | $1.20 1.2% | #80 of 106 |
| Drugstores | $1.20 1.2% | #72 of 106 |
| Online shopping | $1.20 1.2% | #72 of 106 |
| Wholesale clubs | $1.20 1.2% | #71 of 106 |
| Everything else | $1.20 1.2% | #70 of 106 |