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: United Club Business Card wins on our scorecard (7.7/10 vs 7.6/10).
| Scored on | Chase Ink Business Cash | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 5 | 7 |
| Features | 8 | 9 |
| Annual Fee | $0 | $525 |
| 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 Cards | — | $0 |
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 Club Business Card in one paragraph
The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
Skip it if: You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.
Frequently asked questions
Which is better, Chase Ink Business Cash or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.7/10 vs 7.6/10). The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
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 Club Business Card?
You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.