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Ink Business Cash® Credit Card vs United Quest℠ Card
This comparison aims to help users decide between the Ink Business Cash® Credit Card and the United Quest℠ Card by highlighting their features, rewards, and benefits. Understanding these differences can guide you in selecting the card that best suits your financial needs and lifestyle.
Card Overviews
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is designed for business owners looking to earn cash back on everyday business purchases. With no annual fee and a robust rewards structure, this card is ideal for those who frequently spend on office supplies and utilities.
United Quest℠ Card
The United Quest℠ Card caters to frequent travelers, particularly those who fly with United Airlines. With an emphasis on earning miles for travel and providing travel perks, this card is suitable for users who prioritize travel rewards and benefits.
Detailed Feature Comparison
| Feature | Ink Business Cash® Credit Card | United Quest℠ Card |
|---|---|---|
| Annual Fee | $0 | $250 |
| Welcome Bonus | Earn $350 after spending $3,000 in the first 3 months and an additional $400 after $6,000 in the first 6 months | Earn 60,000 bonus miles and 500 PQP after spending $4,000 in the first 3 months |
| Rewards Structure | 5% cash back on first $25,000 spent at office supply stores and on internet, cable, and phone services; 2% at gas stations and restaurants; 1% on all other purchases | 3x miles on United® purchases; 2x on dining, select streaming services, and all other travel; 1x on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Late payment fee applies | Late payment fee applies |
| Additional Benefits | Redeem rewards for cash back, gift cards, travel through Chase Ultimate Rewards® | Free checked bags, priority boarding, and purchase credits |
Rewards Highlights
United Quest℠ Card Rewards
- Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
- 3x miles on United® purchases.
- 2x miles on dining, select streaming services & all other travel.
- 1x mile on all other purchases.
Ink Business Cash® Credit Card Rewards
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
- Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Pros and Cons
Ink Business Cash® Credit Card
- Pros:
- No annual fee
- High cash back on specific categories
- Flexible redemption options
- Cons:
- Limited bonus categories
- Not ideal for frequent travelers
United Quest℠ Card
- Pros:
- Generous travel rewards
- Travel perks like free checked bags
- Strong initial bonus
- Cons:
- High annual fee
- Less favorable for non-travel purchases
Who Should Consider Which Card?
The Ink Business Cash® Credit Card is perfect for business owners who primarily spend on office supplies and utility services, while the United Quest℠ Card is best suited for frequent travelers who fly with United Airlines and want to maximize their travel rewards and benefits.
Conclusion
In summary, choosing between the Ink Business Cash® Credit Card and the United Quest℠ Card hinges on your individual needs and spending habits. Consider your typical expenses and whether you value cash back or travel rewards more when making your decision.