United Gateway Card vs. World of Hyatt Credit Card
On the criteria below, United Gateway Card wins 2 of 3. The verdict depends on which criteria matter to you.
United Gateway Card
Chase
World of Hyatt Credit Card
Chase
United Gateway Card wins 2 of 3 criteria here, making it the stronger all-rounder.
United Gateway Card wins on annual fee and earning ceiling; World of Hyatt Credit Card wins on first-year math.
Pick the World of Hyatt Credit Card if year-one math is your priority; take the United Gateway Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 1- First-year math World of Hyatt Credit Card
World of Hyatt Credit Card wins on bonus value minus annual fee.
- Annual fee United Gateway Card
United Gateway Card is $95 cheaper to keep.
- Earning ceiling United Gateway Card
United Gateway Card earns more on its best category (5× vs 4×).
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- $520
- $1,080
- First-year net
- +$520
- +$985
- Peak earning rate
- 5×
- 4×
- Top categories
- Airfare, Travel, Gas
- Hotels Resorts, Dining, Transit
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- United MileagePlus
- World of Hyatt
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.