Editorial take: United Gateway Card
The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.
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Side-by-side
United Gateway Card vs World of Hyatt Credit Card
Both are well-respected travel cards. The United Gateway Card comes from Chase at $0/yr; the World of Hyatt Credit Card from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the World of Hyatt Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($630 more in estimated value) than the United Gateway Card's. Get the World of Hyatt Credit Card first; revisit the United Gateway Card after you've earned that bonus.
| Feature | United Gateway Card | World of Hyatt Credit Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 30,000 miles | Up to 60,000 Bonus Points |
| Bonus value (est.) | $390 | $1,020 |
| Min spend to unlock bonus | $1,000 in 3 mo | - |
| Issuer | Chase | Chase |
| Card category | travel | hotel |
| Best earning category (United) | 2x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
United Gateway Card
$0/yr · 30,000 miles
Read the full review
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus Points
Editorial take: World of Hyatt Credit Card
The anniversary free night at a Category 1-4 Hyatt easily covers the $95 fee, even a Category 1 Hyatt Place clears it. If you stay at any Hyatt once a year, this card pays for itself.
Common questions
- Which card has the bigger sign-up bonus, United Gateway Card or World of Hyatt Credit Card?
- The World of Hyatt Credit Card has the bigger bonus, Up to 60,000 Bonus Points, worth roughly $1,020, versus 30,000 miles (~$390) on the United Gateway Card.
- Is the United Gateway Card's $0 annual fee worth it compared to the World of Hyatt Credit Card?
- The United Gateway Card has no annual fee, so the question is whether the World of Hyatt Credit Card's $95 fee is justified by its perks. If you'll use enough of the World of Hyatt Credit Card's benefits to clear $95 in value annually, it's worth it; otherwise stick with the United Gateway Card.
- Can I have both the United Gateway Card and World of Hyatt Credit Card?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the United Gateway Card or the World of Hyatt Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Gateway Card: $1,000 spend in 3 months. World of Hyatt Credit Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.