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 (8/10 vs 7.7/10).
| Scored on | Chase Ink Business Unlimited | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 9 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 7 | 7 |
| Features | 7 | 9 |
| Annual Fee | $0 | $525 |
| Foreign Transaction Fee | 3% | $0 |
| Purchase APR | 18.49% - 24.49% Variable | — |
| Late Payment Fee | Up to $40 | Up to $40 |
| Employee Cards | — | $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 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 Unlimited or United Club Business Card?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8/10 vs 7.7/10). 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 Club Business Card?
You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.