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Ink Business Unlimited® Credit Card vs United Quest℠ Card
This comparison aims to help you decide between the Ink Business Unlimited® Credit Card and the United Quest℠ Card. Both cards cater to different financial needs and spending habits, so understanding their features can guide you in making the best choice for your circumstances.
Card Overviews
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card is designed for business owners looking to earn cash back on their purchases without an annual fee. It offers a straightforward rewards structure that is particularly appealing to those who want to maximize cash back on all spending.
United Quest℠ Card
The United Quest℠ Card is tailored for frequent travelers, especially those who fly with United Airlines. With a focus on earning miles and additional travel benefits, this card is perfect for users who prioritize travel rewards and perks related to airline travel.
Detailed Feature Comparison
| Feature | Ink Business Unlimited® Credit Card | United Quest℠ Card |
|---|---|---|
| Annual Fee | $0 | $250 |
| Welcome Bonus | Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months | Earn 60,000 bonus miles and 500 PQP after you spend $4,000 on purchases in the first 3 months |
| Rewards Structure | 1.5% cash back on all purchases | 3x miles on United® purchases, 2x on dining, travel, and select streaming services, 1x on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | No annual fee; some other fees may apply | Annual fee applies; some other fees may apply |
| Additional Benefits | Employee cards at no additional cost, Zero Liability protection | Free first and second checked bags, up to $125 United® purchase credit, priority boarding |
Rewards Highlights
Ink Business Unlimited® Credit Card
- Earn unlimited 1.5% cash back on every purchase made for your business
United Quest℠ Card
- 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 Unlimited® Credit Card
- Pros:
- No annual fee
- Simple cash back rewards structure
- Employee cards available at no additional cost
- Flexible redemption options through Chase Ultimate Rewards®
- Zero Liability protection for unauthorized charges
- Cons:
- Lower rewards rates compared to travel-focused cards
- No specific travel perks or benefits
United Quest℠ Card
- Pros:
- Generous welcome bonus in miles
- High rewards rates on United® purchases
- Travel perks like free checked bags and priority boarding
- Ability to earn Premier qualifying points for elite status
- Cons:
- High annual fee
- Rewards primarily beneficial for United® travelers
Who Should Consider Which Card?
The Ink Business Unlimited® Credit Card is ideal for business owners who prefer a straightforward cash back rewards system without the burden of an annual fee. It suits those who make a variety of purchases and want to maximize their cash back.
The United Quest℠ Card is perfect for frequent travelers, especially those who fly with United Airlines. If your spending includes a significant amount on travel and you value travel perks like checked bags and priority boarding, this card may be the better choice.
Conclusion
Ultimately, choosing between the Ink Business Unlimited® Credit Card and the United Quest℠ Card depends on your individual needs and spending patterns. Consider your financial goals—whether you prefer cash back or travel rewards—and select the card that aligns best with your lifestyle.