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Chase United Club 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 Club Business Card 1.8% 1.5x base rate
  2. United Gateway Card 1.2% 1x base rate

Gas

  1. United Gateway Card 2.4% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Public transit

  1. United Gateway Card 2.4% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Rideshare & taxis

  1. United Gateway Card 2.4% 2x
  2. United Club Business Card 1.8% 1.5x base rate

Tolls

  1. United Gateway Card 2.4% 2x
  2. United Club Business Card 1.8% 1.5x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge United Club Business Card $695 and United Gateway Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Club Business Card takes everything else; United Gateway Card takes gas, public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Club Business Card1.8%
GasUnited Gateway Card2.4%
Public transitUnited Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway 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 Club Business Card — 1.8%
  2. United Gateway Card — 1.2%

Gas

  1. United Gateway Card — 2.4%
  2. United Club Business Card — 1.8%

Public transit

  1. United Gateway Card — 2.4%
  2. United Club Business Card — 1.8%

Rideshare & taxis

  1. United Gateway Card — 2.4%
  2. United Club Business Card — 1.8%

Tolls

  1. United Gateway Card — 2.4%
  2. United Club Business Card — 1.8%
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