| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
|---|---|---|---|---|---|
| 20,000 | $1,000 | 1.4 ¢ | $0 | $0 | $300 |
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| 5/24 , Chase 2/30 , Chase 4/6 |
Spend Categories
7X points
10¢ Per Dollar Spent
1X points
1.4¢ Per Dollar Spent
2X points
2.9¢ Per Dollar Spent
3X points
4.3¢ Per Dollar Spent
2X points
2.9¢ Per Dollar Spent
Card Benefits
25% back on food, beverage and Wi-Fi purchases onboard United- and United Express-operated flights
Using this card gives you primary car rental insurance, providing reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Call 1-800-953-7392 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.
Eligible warranties of 3 years or less can be extended up to 1 additional year.
Point Transfer Options
Transfer To Spouse/Partner Yes - $$
Transfer To Friends Yes - $$
Travel Partner Transfers
Outside Point System United MileagePlus
Transfers In From
1:1 81% value retained
3:1.1 68% value retained
5:2 33% value retained
Bottom Line
Why You Might Want This Card
Exceptions To The Rule
About United MileagePlus
United Airlines MileagePlus is the most flexible rewards program for international flights, especially if you're invested in the Chase ecosystem. They tend to be more available and cost fewer points than Delta or American Airlines. (The biggest exception is Southwest to the Caribbean.)
With a little planning, you can get some fantastic redemption rates. Even if you have the Reserve Card 1.5x multiplier, we usually find better value using United's portal directly. For example, we booked first-class flights to Africa searching the "Business Saver" seats through United and got flights for 80,000 points. That would've cost 250,000 points through the Chase Portal.
Plus, being part of the Star Alliance, points have more flexibility in terms of global destinations, including smaller cities in Asia, Africa and other niche locations. So if you're focusing on international flights and/or Chase transfers, United is a great go-to for flexibility and solid value.
Where United Gateway Fits In This Point Ecosystem
Personal Experience
Application Rules
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
