Chase United Gateway Card vs World of Hyatt Business Credit Card
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- World of Hyatt Business Credit Card 1.7% 1x base rate
- United Gateway Card 1.2% 1x base rate
Gas
- United Gateway Card 2.4% 2x
- World of Hyatt Business Credit Card 1.7% 1x base rate
Gyms
- World of Hyatt Business Credit Card 3.3% 2x
- United Gateway Card 1.2% 1x base rate
Public transit
- United Gateway Card 2.4% 2x
- World of Hyatt Business Credit Card 1.7% 1x base rate
Rideshare & taxis
- United Gateway Card 2.4% 2x
- World of Hyatt Business Credit Card 1.7% 1x base rate
Tolls
- United Gateway Card 2.4% 2x
- World of Hyatt Business Credit Card 1.7% 1x base rate
What the numbers are doing
World of Hyatt Business Credit Card tops everything else at 1.7% only because this table values its points at 1.65 cents each. Value them at one cent and United Gateway Card wins that category instead.
The table is earn rate only — annual fees are not netted out of it. These cards charge United Gateway Card $0 and World of Hyatt Business Credit Card $199 a year, so a thin lead in one category may not cover the difference.
Where they differ: World of Hyatt Business Credit Card takes everything else and gyms; United Gateway Card takes gas, public transit, rideshare & taxis and tolls.
| Category | Best card |
|---|---|
| Everything else | World of Hyatt Business Credit Card1.7% |
| Gas | United Gateway Card2.4% |
| Gyms | World of Hyatt Business Credit Card3.3% |
| Public transit | United Gateway Card2.4% |
| Rideshare & taxis | United Gateway Card2.4% |
| Tolls | United 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
- World of Hyatt Business Credit Card — 1.7%
- United Gateway Card — 1.2%
Gas
- United Gateway Card — 2.4%
- World of Hyatt Business Credit Card — 1.7%
Gyms
- World of Hyatt Business Credit Card — 3.3%
- United Gateway Card — 1.2%
Public transit
- United Gateway Card — 2.4%
- World of Hyatt Business Credit Card — 1.7%
Rideshare & taxis
- United Gateway Card — 2.4%
- World of Hyatt Business Credit Card — 1.7%
Tolls
- United Gateway Card — 2.4%
- World of Hyatt Business Credit Card — 1.7%
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