Search Credit Card Offers
Ink Business Premier® Credit Card vs United Quest℠ Card
This comparison aims to help users decide between the Ink Business Premier® Credit Card and the United Quest℠ Card. Both cards offer unique benefits tailored to different spending habits and financial goals.
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 large purchases. It offers a simple rewards structure with high earning potential on significant spending, making it ideal for businesses that regularly make large transactions.
United Quest℠ Card
The United Quest℠ Card is tailored for frequent travelers, particularly those who fly with United Airlines. This card provides valuable travel benefits, including bonus miles, free checked bags, and priority boarding, making it an excellent choice for those who prioritize travel rewards.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | United Quest℠ Card |
|---|---|---|
| Annual Fee | $195 | $250 |
| Welcome Bonus | $1,000 bonus cash back after you spend $10,000 in the first 3 months | 60,000 bonus miles and 500 PQP after you spend $4,000 in the first 3 months |
| Rewards Structure | Unlimited 2.5% cash back on purchases of $5,000 or more, 2% on all other business purchases | 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x mile on all other purchases |
| Foreign Transaction Fee | No | No |
| Other Fees | None specified | None specified |
| Additional Benefits | Trip Cancellation/Interruption Insurance, Fraud Protection | Free first and second checked bags, priority boarding, up to $125 United® purchase credit |
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 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.
Pros and Cons
Ink Business Premier® Credit Card Pros
- High cash back on large purchases.
- No foreign transaction fees.
- Flexible payment options for qualifying purchases.
- Various built-in protections for purchases.
Ink Business Premier® Credit Card Cons
- Annual fee is higher than some other business cards.
- Requires a significant initial spend for the bonus.
United Quest℠ Card Pros
- Generous travel rewards and benefits.
- Free checked bags and priority boarding.
- Bonus miles offer is attainable with a lower spend requirement.
United Quest℠ Card Cons
- Higher annual fee compared to some travel cards.
- Limited to United® purchases for maximum rewards.
Who Should Consider Which Card?
The Ink Business Premier® Credit Card is ideal for business owners who frequently make large purchases and want to maximize cash back rewards. It suits businesses with significant spending capabilities and those looking for flexible payment options.
On the other hand, the United Quest℠ Card is best for individuals who travel often, especially with United Airlines. If you prioritize travel rewards, enjoy benefits like free checked bags, and are a frequent flyer, this card aligns well with your needs.
Conclusion
In conclusion, both the Ink Business Premier® Credit Card and the United Quest℠ Card offer distinct advantages. Users should consider their individual needs, spending habits, and financial goals when deciding which card to apply for.