Chase Ink Business Unlimited vs United Club Business Card: which one fits your business?
Side-by-side comparison of Chase Ink Business Unlimited 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 Unlimited wins on our scorecard (8.5/10 vs 7.5/10).
| Scored on | Chase Ink Business Unlimited | United Club Business Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 10 | 6 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| Annual Fee | $0 | $450 |
| Foreign Transaction Fee | 3% | $0 |
| Introductory APR | 0% for 12 months | — |
| Late Payment Fee | $40 | — |
| Purchase APR | — | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
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 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 Unlimited or United Club Business Card?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8.5/10 vs 7.5/10). 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 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.