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: The elevated $900 SUB ended Nov 13, 2025; current public offer is $750/$6k/3mo.
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Side-by-side
Chase Ink Business Cash vs United Club Business Card
Both are business travel cards. The Chase Ink Business Cash comes from Chase at $0/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Chase and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The United Club Business Card costs $695 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Chase Ink Business Cash | United Club Business Card |
|---|---|---|
| Annual fee | $0 | $695 |
| Sign-up bonus | $750 bonus cash back | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $750 | $1,500 |
| Min spend to unlock bonus | $6,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | business |
| Best earning category (Office) | 5x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus cash back
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Editorial take: United Club Business Card
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Common questions
- Which card has the bigger sign-up bonus, Chase Ink Business Cash or United Club Business Card?
- The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, 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 Business Card?
- The Chase Ink Business Cash has no annual fee, so the question is whether the United Club Business Card's $695 fee is justified by its perks. If you'll use enough of the United Club Business 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 Business 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 Business 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 Business 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.