Ink Business Premier Credit Card vs United Club Business Card: which one fits your business?
Side-by-side comparison of Ink Business Premier Credit Card and United Club 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 7.5/10).
| Scored on | Ink Business Premier Credit Card | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 6 | 6 |
| Customer support | 7 | 7 |
| Features | 8 | 9 |
| Annual Fee | $195 | $450 |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | 19.49% - 27.49% (Variable) | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
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 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, Ink Business Premier Credit Card or United Club Business Card?
On our five-axis scorecard, Ink Business Premier Credit Card scores higher (7.6/10 vs 7.5/10). 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 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.