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Ink Business Premier® Credit Card vs United℠ Business Card
This comparison aims to help you decide between the Ink Business Premier® Credit Card and the United℠ Business Card from Chase. Both cards offer unique features and benefits tailored to different business needs and spending habits.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for businesses that make larger purchases. With a focus on cash back rewards, it provides significant benefits for those who frequently spend $5,000 or more on purchases. Its features are geared towards maximizing cash back and providing flexible payment options.
United℠ Business Card
The United℠ Business Card is ideal for businesses that frequently travel or have employees who travel often. This card offers valuable travel rewards, including bonus miles on United purchases and additional travel perks, making it suitable for frequent flyers and those looking to enhance their travel experience.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | United℠ Business Card |
|---|---|---|
| Annual Fee | $195 | $99 |
| Welcome Bonus | Earn $1,000 bonus cash back after you spend $10,000 in the first 3 months. | Earn 100,000 bonus miles after you spend $5,000 in the 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 local transit; 1x mile on all other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | No additional cost for employee cards. | No additional cost for employee cards. |
| Additional Benefits | Trip Cancellation/Interruption Insurance, Purchase Protection, Cell Phone Protection. | Free first checked bag, 2 United Club one-time passes, priority boarding privileges. |
Rewards Highlights
Ink Business Premier® Credit Card
- 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.
United℠ Business Card
- 2x miles on United® purchases, dining including eligible delivery services, gas stations, office supply stores, and local transit and commuting.
- 1x mile on all other purchases.
Pros and Cons
Ink Business Premier® Credit Card
- Pros:
- High cash back on large purchases.
- No foreign transaction fees.
- Flexible payment options with built-in protections.
- Cons:
- Higher annual fee compared to some competitors.
- Bonus cash back requires substantial initial spending.
United℠ Business Card
- Pros:
- Generous welcome bonus in miles.
- Travel benefits and perks for frequent flyers.
- Lower annual fee compared to some cards.
- Cons:
- Limited to United purchases for maximum rewards.
- Lower cash back on non-United purchases.
Who Should Consider Which Card?
- Ink Business Premier® Credit Card: Ideal for businesses that frequently make large purchases and prefer cash back rewards. Suitable for companies looking to maximize cash back and require flexibility in payment options.
- United℠ Business Card: Best for businesses that prioritize travel rewards and often fly with United Airlines. Suitable for companies with employees who travel frequently and can take advantage of the associated travel benefits.
Conclusion
When choosing between the Ink Business Premier® Credit Card and the United℠ Business Card, consider your individual needs, spending habits, and whether you value cash back or travel rewards more. Each card has distinct advantages that cater to different business profiles.