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Side-by-side

Chase Ink Business Cash vs United Club Infinite Card

Both are well-respected travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the United Club Infinite Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureChase Ink Business CashUnited Club Infinite Card
Annual fee$0$695
Sign-up bonus$750 bonus cash back80,000 miles (up to 90,000 with authorized user)
Bonus value (est.)$750$1,120
Min spend to unlock bonus$6,000 in 3 mo$5,000 in 3 mo
IssuerChaseChase
Card categorybusinesstravel
Best earning category (Office)5x1x
Transfer partnerschase-urNone
Headline benefits
  • 5% office + internet/phone
  • $750 SUB ($6k spend in 3 months)
  • No annual fee
  • Converts to UR points
  • United Club access
  • 4x on United
  • Hyatt Discoverist
  • Priority everything
Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)

Editorial take: Chase Ink Business Cash

Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: Current public offer is $750 cash back after $6,000 spend in 3 months (issuer-verified 2026-10-29).

Editorial take: United Club Infinite Card

Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.

Common questions

Which card has the bigger sign-up bonus, Chase Ink Business Cash or United Club Infinite Card?
The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus $750 bonus cash back (~$750) on the Chase Ink Business Cash.
Is the Chase Ink Business Cash's $0 annual fee worth it compared to the United Club Infinite Card?
The Chase Ink Business Cash has no annual fee, so the question is whether the United Club Infinite Card's $695 fee is justified by its perks. If you'll use enough of the United Club Infinite Card's benefits to clear $695 in value annually, it's worth it; otherwise stick with the Chase Ink Business Cash.
Can I have both the Chase Ink Business Cash and United Club Infinite Card?
Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Chase Ink Business Cash or the United Club Infinite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $6,000 spend in 3 months. United Club Infinite Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.