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Chase United Business Card vs United Gateway Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. United Business Card 1.2% 1x base rate
  2. United Gateway Card 1.2% 1x base rate

Dining

  1. United Business Card 2.4% 2x
  2. United Gateway Card 1.2% 1x base rate

Gas

  1. United Business Card 2.4% 2x
  2. United Gateway Card 2.4% 2x

Public transit

  1. United Business Card 2.4% 2x
  2. United Gateway Card 2.4% 2x

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. United Gateway Card 2.4% 2x

Tolls

  1. United Business Card 2.4% 2x
  2. United Gateway Card 2.4% 2x

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge United Business Card $150 and United Gateway Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Business Card takes dining. United Gateway Card wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Business Card1.2%
DiningUnited Business Card2.4%
GasUnited Business Card2.4%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. United Business Card — 1.2%
  2. United Gateway Card — 1.2%

Dining

  1. United Business Card — 2.4%
  2. United Gateway Card — 1.2%

Gas

  1. United Business Card — 2.4%
  2. United Gateway Card — 2.4%

Public transit

  1. United Business Card — 2.4%
  2. United Gateway Card — 2.4%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. United Gateway Card — 2.4%

Tolls

  1. United Business Card — 2.4%
  2. United Gateway Card — 2.4%
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