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Old MileagePlus Card Will Convert to United Gateway Card

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MileagePlus Card Will Convert to United Gateway Card

Chase has reached out to old United MileagePlus cardholders to let them know that their card will soon be converted to the new United Gateway Card. Both cards come with no annual fee, but benefits will change. The United Gateway Card was launched late last year. Check out our full review. The United MileagePlus Card on the other hand has not been available to new cardmembers for a couple of years.

If you currently have a Chase United MileagePlus Card, it will become the United Gateway Card on July 1, 2021, and you will have new and updated benefits. But you will also lose some of the benefits that your card currently offers, such as Travel Accident Insurance, Lost Luggage Reimbursement and Baggage Delay Insurance.

You can keep using your current card, and we’ll send you a new one when it expires. Your account number, credit line, interest rates and payment due dates will stay the same. Also, if you book a trip before the changes go into effect on July 1, it will be covered under the current benefit terms.

Changes in Benefits

After July 1, 2021, you will see the following changes on your credit card:

  • Earn: 2X (instead of 0.5X) miles on
    • United purchases
    • gas stations
    • local transit and commuting
  • 1X (instead of 0.5X) mile on all other purchases
  • No transaction fees
  • Trip Cancellation/Interruption Insurance
  • You will no longer have:
    • Travel Accident Insurance
    • Lost Luggage Reimbursement
    • Baggage Delay Insurance.


The switch is positive if you look at the earning rates on the new United Gateway Card. You also get Trip Cancellation/Interruption Insurance and you will no longer be charged foreign transaction fees.

But if you are interested in things like Travel Accident Insurance, Lost Luggage Reimbursement and Baggage Delay Insurance, make sure you book before July 1, so you can take advantage of those protections.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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  1. Does that mean that I will loose the chance to earn the bonus points of a new gateway card when my no fee mileage card converts to a no fee gateway card? Thanks!

  2. The Last key benefit is the extra 25% in mileageplusx app and counting as a united card for higher united mileage portal bonuses. That should carry over as well right?

  3. Looks like the Gateway card has XN award space, which was one of the key benefits of downgrading a MileagePlus Explorer to the old 0 AMF MileagePlus card. I’m glad that’s staying


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