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 United Business Card
Both are well-respected travel cards. The United Gateway Card comes from Chase at $0/yr; the United Business Card from Chase at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,110 more in estimated value) than the United Gateway Card's. Get the United Business Card first; revisit the United Gateway Card after you've earned that bonus.
| Feature | United Gateway Card | United Business Card |
|---|---|---|
| Annual fee | $0 | $150 |
| Sign-up bonus | 30,000 miles | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $390 | $1,500 |
| Min spend to unlock bonus | $1,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | business |
| Best earning category (United) | 2x | 2x |
| 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
United Business Card
$150/yr · 100,000 miles + 2,000 PQP
Editorial take: United Business Card
Strong United business card. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit help cover the $150 AF for any United-leaning small business. The 100k + 2,000 PQP bonus is the sweetener. Post-2025 refresh swapped the old $100/$10k-spend credit for a $125 travel credit unlocked by 5 United flight purchases of $100+.
Common questions
- Which card has the bigger sign-up bonus, United Gateway Card or United Business Card?
- The United Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 30,000 miles (~$390) on the United Gateway Card.
- Is the United Gateway Card's $0 annual fee worth it compared to the United Business Card?
- The United Gateway Card has no annual fee, so the question is whether the United Business Card's $150 fee is justified by its perks. If you'll use enough of the United Business Card's benefits to clear $150 in value annually, it's worth it; otherwise stick with the United Gateway Card.
- Can I have both the United Gateway Card and United Business 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 United Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Gateway Card: $1,000 spend in 3 months. United Business Card: $5,000 in 3 months. 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.