^*Terms and Conditions

Earn Two Checked Bag Certificates: Earn two (2) standard checked bag certificates after spending $10,000 on Purchases with your United Gateway^℠ Card within a calendar year. There is a limit of two standard checked bag certificates that may be accrued per eligible United Gateway^℠ Cardmember each calendar year. The checked bag certificates will be deposited into your MileagePlus account within 6 to 8 weeks after meeting the spend requirement. To redeem two (2) standard checked bag certificates, the primary Cardmember logged into their MileagePlus account must use their card to purchase their ticket(s), include their MileagePlus^® number in their reservation, and apply the checked bag certificate(s) to their ticket at checkout. Checked bag certificates are only available on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. Each unused certificate will expire 12 months after date of issue. Service charges for oversized, overweight and extra baggage may apply. Cardmembers who are already exempt from other checked baggage service charges will not receive additional free standard checked bags. Please visit united.com/ChaseBag for details. “Purchases” do not include balance transfers, cash advances, traveler's checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable. Returns and refunds will be deducted from your purchases amount. To qualify and earn your two checked bag certificates, your account must be open and in good standing at time of fulfillment. Checked bag certificate rules and regulations are subject to change. Taxes and fees related to travel are the responsibility of the passenger. Chase is not responsible for the provision of, or failure to provide, the stated benefits and services. Checked bag certificates will post directly to your MileagePlus account and will not appear on your credit card statement.

25% back on food, beverage and Wi-Fi purchases on board United and United Express-operated flights and United Club premium drink purchases: You will receive 25% back, in the form of a credit card account statement credit, on purchases of food, beverages and Wi-Fi on board United and United Express-operated flights, and Wi-Fi subscription purchases, when you use your United Gateway Card to make such purchases. You will also receive 25% back, in the form of a credit card account statement credit, on premium drink purchases at United Clubs. The statement credit will post to your account within 24 hours of your onboard purchase posting to your account. You will also receive 25% back on food, beverage and Wi-Fi purchases made on board, on Wi-Fi subscription purchases, and on premium drink purchases at United Clubs by authorized users who use your United Gateway^℠ Card account to make such purchases. To qualify for the 25% back, account must be open and not in default at the time of fulfillment. To find a list of United Club locations, please visit United.com.

No Foreign Transaction Fee: See Cardmember Agreement for details.

Award Availability, Pricing, and Fees: As long as tickets are still available for sale for the applicable cabin on any United-operated flight, MileagePlus members can use miles to book award travel on such flight. Award pricing is subject to change without notice. Awards on partner-operated flights and upgrade awards are subject to limitations and restrictions. Passenger is responsible for all taxes, fees, baggage fees and surcharges applicable to award travel, including, with respect to government imposed taxes and fees, September 11th Security Fee of $5.60 per one-way trip that does not include a government defined stopover, US Customs, Immigration and APHIS User Fees of $17.80 for each international arrival in the U.S.; and non-U.S. government ticket taxes, fees and airport charges may add up to $355 per ticket as of January 1, 2024. Such taxes, fees and surcharges must be paid at the time of ticketing and are subject to change. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Visit united.com/AirAwards for details.

Earning in the Rewards Program: You'll earn miles on purchases of products and services, minus returns or refunds, made with a United^℠ credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn miles: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1 mile: You'll earn 1 mile for each $1 spent. 2 miles: You'll earn 2 miles total for each $1 spent (1 additional mile on top of the 1 mile per $1 earned on each purchase) on airline tickets purchased from United, and on the following purchases made from United: seat upgrades; Economy Plus^®; inflight food, beverages and Wi-Fi; baggage service charges or other United fees. Other United related purchases, such as United Cruises^®, United MileagePlus X, DIRECTV^® and Merchandise Awards, are excluded. United tickets booked through some discount travel websites or as part of a third-party travel package will also not qualify. You'll also earn 2 miles total for each $1 spent (1 additional mile on top of the 1 mile per $1 earned on each purchase) on purchases of United Card Events from Chase and in the following rewards categories: gas stations; local transit and commuting. Information about earning/transferring miles to United: Miles earned during a billing cycle will be automatically transferred to United after the end of each billing cycle. Losing miles: You'll immediately lose all miles that haven't been transferred to United if your card account status changes, or your card account is closed for program misuse, fraudulent activities, or other reasons described in the terms of the Rewards Program Agreement. For important information about Chase rewards categories, see chase.com/RewardsCategoryFAQs. For more information about the United Gateway^℠ Card rewards program, you can see the latest Rewards Program Agreement at chase.com/UnitedGatewayCard/RewardsAgreement and it will also be available for cardmembers after logging in to chase.com and will be mailed for new or changed accounts.

Receive Cardmember pricing on United award flight purchases after $10,000 on purchases: The primary Cardmember will receive Cardmember pricing on United^®, United^® Express, or select partner airline award flight purchases after making Purchases totaling $10,000 or more in a Calendar year with their United^℠ Gateway Card. Calendar year means January 1 through December 31 of that same year.(“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.). After qualifying, please allow 4 weeks for the Cardmember award pricing to be available in your United MileagePlus account. To receive Cardmember pricing, the primary Cardmember must include their MileagePlus^® number in their reservation. Cardmember pricing is valid for the primary Cardmember's MileagePlus account only and is not transferrable. Cardmember pricing is valid for the remainder of the calendar year in which the primary Cardmember meets the qualifying spend requirements and through the end of the following calendar year. To be eligible to receive Cardmember pricing, account must be open and not in default at time of fulfillment. Chase is not responsible for the provision of, or failure to provide, the Cardmember pricing on United^®, United^® Express, or select partner airline flights.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

MileagePlus Program Terms and Conditions: Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus^® program, including without limitation the Premier^® program (the "MileagePlus Program"), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United^® may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines^® and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to united.com.

JPMorgan Chase Bank, N.A. Member FDIC