Purchase APR
18.24–27.74%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $802.20
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56
United Gateway Card
Jpmorgan Chase Bank, National Association
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
19.74–28.24%
Annual fee
None
0% intro
12 mo
0% transfer
None
Foreign fee
None
Grace period
21 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
28.24%
620–719
28.24%
720+
25.24%
Lowest offered19.74%
Median27.24%
Highest offered28.24%
Introductory purchase APR
Promotional window: 12 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.49%
Median28.49%
Highest offered28.49%
Every fee on this card
Annual feeNone
Balance transfer fee5% (min $5)
Cash advance fee5% (min $10)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Chase Pay Over Time$0
Return payment fee$40
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Discounts on purchases of goods and services (non travel related)
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
- Other
Issuer note: All of the product benefits can be found on United.com/Gateway
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone800-537-7783
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 27.24%$817.20
Annual / periodic fees$0
Total yearly cost$817.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
26 documents filed by Jpmorgan Chase Bank, National Association in the 2026 Q1 archive.
All 26 agreementsMore from this issuer
Purchase APR
16.74%
Annual fee
$795
Foreign fee
None
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $1,297.20 incl. $795 fee
Purchase APR
17.49–26.49%
Annual fee
$49
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $843.70 incl. $49 fee
Purchase APR
17.49–26.49%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $764.70