United Gateway — 40,000 United MileagePlus Sign-Up Bonus (2026 Review)
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Rewards Earning
Key Benefits
- No Foreign Transaction Fees
- Travel Portal Redemption
Overview
The United Gateway is currently offering 40,000 United MileagePlus after $1,000 in purchases within 3 months. There's no annual fee, which makes the 40,000 United MileagePlus bonus close to pure profit if you can hit the spend organically. Estimated net year-one value: $400 based on a 1¢ per-point valuation.
Who This Card Is For
Anyone with steady monthly spend who wants a 40,000 United MileagePlus bonus with no annual-fee drag and no requirement to "make the math work" on a fee.
How to Maximize the Sign-Up Bonus
To hit the $1,000 requirement in 3 months, you need about $334 per month in organic spend on this card. Route any predictable monthly bills you'd otherwise pay from a debit card — utilities, groceries, gas, streaming subscriptions — through the United Gateway until you've earned the 40,000 United MileagePlus bonus. Mind your issuer rules: Chase will deny this if you've opened 5+ personal cards in the last 24 months. With no annual fee there's nothing to cancel for — keep it open after the bonus posts so the account keeps aging your average credit history.
Pros
Cons
How This Compares
Within Chase's personal lineup, the closest comparison is the Chase Amazon Prime Visa ($200 after $0/0mo, $0 AF). The United Gateway is the right pick when you value a clean no-AF SUB and don't need the elevated category bonuses of the fee-bearing card.
Frequently Asked Questions
What's the current United Gateway sign-up bonus?
The current bonus is 40,000 United MileagePlus after spending $1,000 on purchases within 3 months of account opening. Offers change often — confirm the live terms on the issuer's page before applying.
What's the United Gateway annual fee?
There is no annual fee on the United Gateway.
Does the Chase 5/24 rule apply to this card?
Yes. If you've opened five or more personal credit cards in the last 24 months, Chase will auto-deny this application regardless of credit score.
How long does the United Gateway sign-up bonus take to post?
Once you cross the $1,000 spend threshold, the bonus typically posts within 1–2 statement cycles — call it 6–8 weeks from the day you hit the requirement. Track the milestone in Stacks OS Spending so you don't miss the deadline.
Related Cards
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Nathaniel covers the best bank bonuses, credit card strategies, and savings optimization on his YouTube channel.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.