The Chase United Gateway is a personal credit card from Chase United Gateway. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 19.74%–28.24% after a 0% intro APR for 12 months from account opening on purchases. introductory rate for 12 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: Earn up to 40,000 bonus miles after qualifying activities.. Rewards: 5x total miles on eligible United flights, 2x miles on all other eligible United purchases, 2x miles at gas stations, 2x miles on local transit and commuting, 1x mile on all other purchases.. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. Bureau pull varies by state (see details).