Chase Ink Business Preferred vs United Club Business Card: which one fits your business?
Side-by-side comparison of Chase Ink Business Preferred 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 Preferred wins on our scorecard (7.8/10 vs 7.7/10).
| Scored on | Chase Ink Business Preferred | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 8 | 6 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $95 | $525 |
| Foreign Transaction Fee | $0 | $0 |
| Purchase APR | 21.24% - 26.24% (Variable) | — |
| Late Payment Fee | Up to $40 | Up to $40 |
| Employee Cards | $0 | $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 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 Preferred or United Club Business Card?
On our five-axis scorecard, Chase Ink Business Preferred scores higher (7.8/10 vs 7.7/10). 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 Club Business Card?
You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.