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Ink Business Premier® Credit Card vs The New United℠ Business Card
This comparison aims to help users decide between the Ink Business Premier® Credit Card and The New United℠ Business Card. Both cards offer unique features tailored for business owners, making it essential to understand their differences in order to choose the best fit for your financial needs.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for business owners who want to earn cash back on their purchases. It provides a higher rewards rate for significant expenses, making it ideal for businesses that spend heavily on travel and larger transactions.
The New United℠ Business Card
The The New United℠ Business Card is geared towards frequent travelers, particularly those who fly with United Airlines. This card offers travel-related perks and rewards, making it a solid choice for businesses that prioritize air travel and related expenses.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | The New United℠ Business Card |
|---|---|---|
| Annual Fee | $195 | $150 |
| Welcome Bonus | Earn $1,000 bonus cash back after you spend $10,000 in first 3 months | Earn 125,000 bonus miles after you spend $5,000 in first 3 months |
| Rewards Structure | Unlimited 2.5% cash back on purchases of $5,000 or more, 2% on all other purchases | 2x miles on United® purchases, dining, gas stations, office supply stores, and commuting; 1x on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Trip Cancellation Insurance, Purchase Protection, Cell Phone Protection | Free first checked bag, travel credits, and two United Club passes annually |
Rewards Highlights
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Unlimited 5% total cash back on travel purchased through Chase Travel℠.
- Unlimited 2.5% total cash back on purchases of $5,000 or more.
- Unlimited 2% cash back on all other business purchases.
Pros and Cons
Ink Business Premier® Credit Card
- Pros:
- Higher cash back rate on large purchases.
- No foreign transaction fees.
- Comprehensive purchase protections.
- Cons:
- Higher annual fee compared to some other business cards.
- Limited travel-specific benefits.
The New United℠ Business Card
- Pros:
- Generous welcome bonus in miles.
- Travel perks like free checked bags and annual travel credits.
- No foreign transaction fees.
- Cons:
- Rewards primarily focused on United Airlines and travel.
- Lower cash back rate on non-United purchases.
Who Should Consider Which Card?
The Ink Business Premier® Credit Card is ideal for business owners who frequently make large purchases and prefer cash back rewards. It's suitable for those who want flexibility in payments and robust purchase protections.
The The New United℠ Business Card is perfect for those who travel often and primarily fly with United Airlines. It's tailored for businesses that can benefit from travel perks and accumulating miles for future flights.
Conclusion
When deciding between the Ink Business Premier® Credit Card and The New United℠ Business Card, consider your individual needs and spending patterns. Whether you value cash back on large purchases or travel rewards, each card has unique benefits that cater to different business goals.