United Gateway Credit Card

United Gateway Credit Card Review

This is a rewards credit card issued by Chase Bank. If you're wondering whether United Gateway Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Signup bonus. Offers a signup bonus of 20000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 25.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 5% Balance transfer fee. United Gateway Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of United Gateway Credit Card

The Good

The Bad

0% APR on new purchases during the first 12 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Free access to your credit score. Identity Theft Protection. Travel accident and travel assistance insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. United Gateway Credit Card reports to multiple credit bureaus.

Higher than average purchase APRs. Charges a 5% balance transfer fee.

United Gateway Credit Card FAQ

Does United Gateway Credit Card have a cash back or rewards program?

United Gateway Credit Card is a rewards card.

United Gateway Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	20000
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

What are the United Gateway Credit Card benefits?

It provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• No blackout dates when redeeming miles
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for United Gateway Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

United Gateway Credit Card has a variable purchase APR that ranges from 18.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 25.74%. It also has a variable cash advance APR of 27.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for United Gateway Credit Card?

The following fees apply:

• There is no overlimit fee

United Gateway Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does United Gateway Credit Card report your account activity to credit bureaus?

Yes, United Gateway Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for United Gateway Credit Card

• Visit the United Gateway Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.