Chase Ink Business Cash vs United Business Card: which one fits your business?
Side-by-side comparison of Chase Ink Business Cash and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Cash wins on our scorecard (7.6/10 vs 7.3/10).
| Scored on | Chase Ink Business Cash | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 5 | 6 |
| Features | 8 | 8 |
| Annual Fee | $0 | $99 (often $0 for the first year) |
| Intro APR | 0% for 12 months | — |
| Variable APR | 18.49% - 24.49% | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $40 | Up to $40 |
| Employee Card Fee | — | $0 |
| Purchase APR | — | 21.49% - 28.49% variable |
Chase Ink Business Cash in one paragraph
The best $0-fee card for businesses that spend heavily on utilities and office supplies, provided you don't mind a personal credit check.
Skip it if: You spend significantly more than $25,000 a year in the bonus categories or travel internationally often.
United Business Card in one paragraph
A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
Skip it if: You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.
Frequently asked questions
Which is better, Chase Ink Business Cash or United Business Card?
On our five-axis scorecard, Chase Ink Business Cash scores higher (7.6/10 vs 7.3/10). The best $0-fee card for businesses that spend heavily on utilities and office supplies, provided you don't mind a personal credit check.
Who should skip Chase Ink Business Cash?
You spend significantly more than $25,000 a year in the bonus categories or travel internationally often.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.