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 Business Credit Card
Both are well-respected travel cards. The United Gateway Card comes from Chase at $0/yr; the World of Hyatt Business Credit Card from Chase at $199/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 Business Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($885 more in estimated value) than the United Gateway Card's. Get the World of Hyatt Business Credit Card first; revisit the United Gateway Card after you've earned that bonus.
| Feature | United Gateway Card | World of Hyatt Business Credit Card |
|---|---|---|
| Annual fee | $0 | $199 |
| Sign-up bonus | 30,000 miles | 75,000 points |
| Bonus value (est.) | $390 | $1,275 |
| Min spend to unlock bonus | $1,000 in 3 mo | $7,500 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | business |
| 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 Business Credit Card
$199/yr · 75,000 points
Editorial take: World of Hyatt Business Credit Card
The strongest hotel business card if you actually stay at Hyatts. Five elite night credits + top-3-categories earning + the $100 in Hyatt credits make it pay for its $199 fee for almost any Hyatt-leaning traveler. Underrated.
Common questions
- Which card has the bigger sign-up bonus, United Gateway Card or World of Hyatt Business Credit Card?
- The World of Hyatt Business Credit Card has the bigger bonus, 75,000 points, worth roughly $1,275, 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 Business Credit Card?
- The United Gateway Card has no annual fee, so the question is whether the World of Hyatt Business Credit Card's $199 fee is justified by its perks. If you'll use enough of the World of Hyatt Business Credit Card's benefits to clear $199 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 Business 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 Business 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 Business Credit Card: $7,500 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.