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Ink Business Premier® Credit Card vs United Gateway℠ Card
This comparison aims to help potential users decide between the Ink Business Premier® Credit Card and the United Gateway℠ Card from Chase. By examining their features, rewards, and benefits, you can make a more informed choice based on your financial needs and spending habits.
Ink Business Premier® Credit Card Overview
The Ink Business Premier® Credit Card is designed for business owners seeking to maximize cash back on their purchases. With a competitive annual fee, this card offers substantial rewards on large purchases along with travel benefits and business-related protections.
United Gateway℠ Card Overview
The United Gateway℠ Card is tailored for frequent United Airlines travelers. With no annual fee, this card provides the opportunity to earn miles for travel-related expenses, making it ideal for those who frequently fly with United and want to enhance their travel experience.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | United Gateway℠ Card |
|---|---|---|
| Annual Fee | $195 | $0 |
| Welcome Bonus | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. | Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. |
| Rewards Structure | Unlimited 2.5% total cash back on purchases of $5,000 or more, unlimited 2% cash back on all other business purchases. | 2x miles on United® purchases, at gas stations, and on local transit and commuting; 1x mile on all other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | Late Payment Fee, Returned Payment Fee | Late Payment Fee, Returned Payment Fee |
| Additional Benefits | Unlimited 5% total cash back on travel purchased through Chase Travel℠, Trip Cancellation/Interruption Insurance, various purchase protections. | 25% back as a statement credit on food, beverages, and Wi-Fi on United flights. |
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 Gateway℠ Card Rewards
- Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
- 2x miles on United® purchases, at gas stations, and on local transit and commuting.
- 1x mile on all other purchases.
Pros and Cons
Ink Business Premier® Credit Card Pros and Cons
- Pros:
- High cash back rewards on larger purchases.
- Comprehensive travel benefits.
- No foreign transaction fees.
- Built-in protections for purchases.
- Cons:
- Annual fee may be a barrier for some users.
- High spending requirement for the welcome bonus.
United Gateway℠ Card Pros and Cons
- Pros:
- No annual fee.
- Generous rewards on travel-related purchases.
- Bonus miles with a low spending requirement.
- Cons:
- Lower rewards rate on non-travel purchases.
- Limited benefits outside the United travel ecosystem.
Who Should Consider Which Card?
- Ink Business Premier® Credit Card: Ideal for business owners who make large purchases and seek to earn significant cash back while enjoying travel-related perks.
- United Gateway℠ Card: Best suited for frequent travelers with United Airlines, looking for a no-fee card that rewards travel-related spending.
Conclusion
Ultimately, the choice between the Ink Business Premier® Credit Card and the United Gateway℠ Card should be guided by your individual spending habits and financial goals. Evaluate which card aligns better with your lifestyle and travel preferences to make the most of your rewards.