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 (8.5/10 vs 7.4/10).
| Scored on | Chase Ink Business Unlimited | United Business Card |
|---|---|---|
| Right fit for small biz | 9 | 9 |
| Ease of use | 9 | 7 |
| Fees & pricing | 10 | 8 |
| Customer support | 6 | 6 |
| Features | 8 | 7 |
| Annual Fee | $0 | $99 ($0 first year) |
| Foreign Transaction Fee | 3% | $0 |
| Introductory APR | 0% for 12 months | — |
| Late Payment Fee | $40 | Up to $40 |
| Purchase APR | — | 21.49% - 28.49% variable |
Chase Ink Business Unlimited in one paragraph
The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Skip it if: Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
United Business Card in one paragraph
A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Skip it if: You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.
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 (8.5/10 vs 7.4/10). The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Who should skip Chase Ink Business Unlimited?
Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.