Chase Ink Business Unlimited vs United Business Card: which one fits your business?
Side-by-side comparison of Chase Ink Business Unlimited and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Unlimited wins on our scorecard (8/10 vs 7.3/10).
| Scored on | Chase Ink Business Unlimited | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 7 | 6 |
| Features | 7 | 8 |
| Annual Fee | $0 | $99 (often $0 for the first year) |
| Foreign Transaction Fee | 3% | $0 |
| Purchase APR | 18.49% - 24.49% Variable | 21.49% - 28.49% variable |
| Late Payment Fee | Up to $40 | Up to $40 |
| Employee Card Fee | — | $0 |
Chase Ink Business Unlimited in one paragraph
A reliable, no-fuss 1.5% cash back workhorse that shines when paired with other Chase cards but loses its luster for international spending.
Skip it if: You frequently pay international vendors or travel abroad, as the 3% foreign transaction fee wipes out all rewards.
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 Unlimited or United Business Card?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8/10 vs 7.3/10). A reliable, no-fuss 1.5% cash back workhorse that shines when paired with other Chase cards but loses its luster for international spending.
Who should skip Chase Ink Business Unlimited?
You frequently pay international vendors or travel abroad, as the 3% foreign transaction fee wipes out all rewards.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.