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Chase United Quest Card vs World of Hyatt Business Credit 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. World of Hyatt Business Credit Card 1.7% 1x base rate
  2. United Quest Card 1.2% 1x base rate

Dining

  1. United Quest Card 2.4% 2x
  2. World of Hyatt Business Credit Card 1.7% 1x base rate

Travel

  1. United Quest Card 2.4% 2x
  2. World of Hyatt Business Credit Card 1.7% 1x base rate

Streaming

  1. United Quest Card 2.4% 2x
  2. World of Hyatt Business Credit Card 1.7% 1x base rate

Gyms

  1. World of Hyatt Business Credit Card 3.3% 2x
  2. United Quest Card 1.2% 1x base rate

Flights

  1. United Quest Card 4.8% 4x
  2. World of Hyatt Business Credit Card 1.7% 1x base rate

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers 6.0% 5x

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 Quest Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge United Quest Card $350 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 Quest Card takes dining, travel, streaming and flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseWorld of Hyatt Business Credit Card1.7%
DiningUnited Quest Card2.4%
TravelUnited Quest Card2.4%
StreamingUnited Quest Card2.4%
GymsWorld of Hyatt Business Credit Card3.3%
FlightsUnited Quest Card4.8%
Hotels · portalUnited Quest Card · Renowned Hotels for United Cardmembers6.0%

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. World of Hyatt Business Credit Card — 1.7%
  2. United Quest Card — 1.2%

Dining

  1. United Quest Card — 2.4%
  2. World of Hyatt Business Credit Card — 1.7%

Travel

  1. United Quest Card — 2.4%
  2. World of Hyatt Business Credit Card — 1.7%

Streaming

  1. United Quest Card — 2.4%
  2. World of Hyatt Business Credit Card — 1.7%

Gyms

  1. World of Hyatt Business Credit Card — 3.3%
  2. United Quest Card — 1.2%

Flights

  1. United Quest Card — 4.8%
  2. World of Hyatt Business Credit Card — 1.7%

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers — 6.0%
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