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Ink Business Premier® Credit Card vs United Club℠ Infinite Card
This comparison aims to provide a detailed overview of the Ink Business Premier® Credit Card and the United Club℠ Infinite Card from Chase. By analyzing their features, benefits, and target audiences, we hope to help you make an informed decision about which card best suits your financial needs and spending habits.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for business owners looking to maximize their cash back on larger purchases. It offers a generous rewards structure and travel benefits, making it an excellent choice for those who frequently spend on business-related expenses.
United Club℠ Infinite Card
The United Club℠ Infinite Card is tailored for frequent travelers, especially those who often fly with United Airlines. It provides extensive travel perks, including a United Club membership and additional benefits when flying with United, making it ideal for those who prioritize travel rewards.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | United Club℠ Infinite Card |
|---|---|---|
| Annual Fee | $195 | $525 |
| Welcome Bonus | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. | Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. |
| Rewards Structure | Unlimited 5% total cash back on travel purchased through Chase Travel℠, unlimited 2.5% total cash back on purchases of $5,000 or more, and unlimited 2% cash back on all other business purchases. | 4x miles on United® purchases, 2x miles on all other travel and dining, and 1x mile on all other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Trip Cancellation/Trip Interruption Insurance, Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, Extended Warranty Protection. | United Club℠ membership, free first and second checked bags, Premier Access® travel services, and earn up to 15,000 Premier qualifying points per calendar year. |
Rewards Highlights
Ink Business Premier® Credit Card Rewards
- 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 Club℠ Infinite Card Rewards
- Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
- 4x miles on United® purchases.
- 2x miles on all other travel and dining.
- 1x mile on all other purchases.
Pros and Cons
Ink Business Premier® Credit Card Pros and Cons
- Pros:
- High cash back on larger purchases.
- No foreign transaction fees.
- Built-in protections for purchases.
- Flexibility for business expenses.
- Cons:
- Annual fee may be considered high for smaller businesses.
- Cash back structure is less rewarding for smaller purchases.
United Club℠ Infinite Card Pros and Cons
- Pros:
- Valuable travel perks and United Club membership.
- High rewards on travel and dining purchases.
- Free checked bags save money on flights.
- Cons:
- High annual fee.
- Best suited for frequent United travelers.
Who Should Consider Which Card?
- The Ink Business Premier® Credit Card is ideal for business owners who make large purchases and want to earn cash back, especially on expenses over $5,000.
- The United Club℠ Infinite Card is best for frequent travelers who fly with United Airlines and can take advantage of travel-related benefits and perks.
Conclusion
Ultimately, the decision between the Ink Business Premier® Credit Card and the United Club℠ Infinite Card will depend on your individual needs and spending patterns. Consider how much you travel, what types of purchases you typically make, and whether the card benefits align with your financial goals. Both cards offer unique advantages that cater to different users, so choose the one that best fits your lifestyle.