Chase Ink Business Preferred vs United Business Card: which one fits your business?
Side-by-side comparison of Chase Ink Business Preferred and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Preferred wins on our scorecard (7.8/10 vs 7.3/10).
| Scored on | Chase Ink Business Preferred | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 7 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $95 | $99 (often $0 for the first year) |
| Foreign Transaction Fee | $0 | $0 |
| Purchase APR | 21.24% - 26.24% (Variable) | 21.49% - 28.49% variable |
| Late Payment Fee | Up to $40 | Up to $40 |
| Employee Cards | $0 | — |
| Employee Card Fee | — | $0 |
Chase Ink Business Preferred in one paragraph
The premier choice for business owners who use digital advertising and shipping to scale, offering the highest-value travel rewards in the mid-tier market.
Skip it if: You don't spend at least $5,000 annually on ads, shipping, or travel, or you can't hit the $8,000 welcome bonus requirement.
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 Preferred or United Business Card?
On our five-axis scorecard, Chase Ink Business Preferred scores higher (7.8/10 vs 7.3/10). The premier choice for business owners who use digital advertising and shipping to scale, offering the highest-value travel rewards in the mid-tier market.
Who should skip Chase Ink Business Preferred?
You don't spend at least $5,000 annually on ads, shipping, or travel, or you can't hit the $8,000 welcome bonus requirement.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.