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: United Club Business Card wins on our scorecard (7.5/10 vs 7.3/10).
| Scored on | Chase Ink Business Preferred | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 7 | 6 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual Fee | $95 | $450 |
| Foreign Transaction Fee | $0 | $0 |
| Employee Cards | $0 | — |
| Purchase APR | 21.24% - 26.24% (Variable) | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
Chase Ink Business Preferred in one paragraph
The best all-around value for businesses spending under $150k on ads and travel who want high-value transfer partners.
Skip it if: Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.
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 Preferred or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.5/10 vs 7.3/10). 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.
Who should skip Chase Ink Business Preferred?
Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.
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.