Ink Business Premier Credit Card vs United Business Card: which one fits your business?
Side-by-side comparison of Ink Business Premier Credit Card and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ink Business Premier Credit Card wins on our scorecard (7.6/10 vs 7.3/10).
| Scored on | Ink Business Premier Credit Card | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 6 | 7 |
| Customer support | 7 | 6 |
| Features | 8 | 8 |
| Annual Fee | $195 | $99 (often $0 for the first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $40 | Up to $40 |
| Purchase APR | 19.49% - 27.49% (Variable) | 21.49% - 28.49% variable |
| Employee Card Fee | — | $0 |
Ink Business Premier Credit Card in one paragraph
A high-octane cash-back engine for businesses spending $5,000+ per transaction, marred only by its inability to transfer points to travel partners.
Skip it if: Skip it if you want to transfer points to airlines or if your average transaction size is under $5,000.
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, Ink Business Premier Credit Card or United Business Card?
On our five-axis scorecard, Ink Business Premier Credit Card scores higher (7.6/10 vs 7.3/10). A high-octane cash-back engine for businesses spending $5,000+ per transaction, marred only by its inability to transfer points to travel partners.
Who should skip Ink Business Premier Credit Card?
Skip it if you want to transfer points to airlines or if your average transaction size is under $5,000.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.