Chase Ink Business Cash vs United Club Business Card: which one fits your business?
Side-by-side comparison of Chase Ink Business Cash and United Club 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 (8.2/10 vs 7.5/10).
| Scored on | Chase Ink Business Cash | United Club Business Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 10 | 6 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual fee | $0 | — |
| Foreign transaction fee | 3% | — |
| Purchase APR | 18.49% - 24.49% variable | 21.49%–28.49% (Variable) |
| Late payment fee | Up to $40 | — |
| Annual Fee | — | $450 |
| Foreign Transaction Fee | — | $0 |
| Late Fee | — | Up to $40 |
Chase Ink Business Cash in one paragraph
The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Skip it if: Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
United Club Business Card in one paragraph
A powerhouse for United loyalists who need a mobile office in the lounge, but the $450 fee is a high price for those who don't live in a hub city.
Skip it if: You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.
Frequently asked questions
Which is better, Chase Ink Business Cash or United Club Business Card?
On our five-axis scorecard, Chase Ink Business Cash scores higher (8.2/10 vs 7.5/10). The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Who should skip Chase Ink Business Cash?
Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
Who should skip United Club Business Card?
You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.