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Side-by-side

Chase Ink Business Cash vs United Gateway Card

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

Bottom line

For most people the Chase Ink Business Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($610 more in estimated value) than the United Gateway Card's. Get the Chase Ink Business Cash first; revisit the United Gateway Card after you've earned that bonus.

FeatureChase Ink Business CashUnited Gateway Card
Annual fee$0$0
Sign-up bonus$1,000 bonus cash back30,000 miles
Bonus value (est.)$1,000$390
Min spend to unlock bonus$8,000 in 4 mo$1,000 in 3 mo
IssuerChaseChase
Card categorybusinesstravel
Best earning category (Office)5x1x
Transfer partnerschase-urNone
Headline benefits
  • 5% office + internet/phone
  • $1,000 SUB ($8k spend in 4 months)
  • No annual fee
  • Converts to UR points
  • 2x on United + transit + gas
  • No annual fee
  • No foreign tx fees
  • 25% inflight rebate
Read the full review
Chase Ink Business Cash
$0/yr · $1,000 bonus cash back
Read the full review
United Gateway Card
$0/yr · 30,000 miles

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 $1,000 cash back after $8,000 spend in 4 months, which Chase presents as its best offer ever (issuer-verified 2026-07-16).

Editorial take: United Gateway Card

The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.

Common questions

Which card has the bigger sign-up bonus, Chase Ink Business Cash or United Gateway Card?
The Chase Ink Business Cash has the bigger bonus, $1,000 bonus cash back, worth roughly $1,000, versus 30,000 miles (~$390) on the United Gateway Card.
Is the Chase Ink Business Cash's $0 annual fee worth it compared to the United Gateway Card?
The Chase Ink Business Cash has no annual fee, so the question is whether the United Gateway Card's $0 fee is justified by its perks. If you'll use enough of the United Gateway Card's benefits to clear $0 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 Gateway 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 Gateway Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Cash: $8,000 spend in 4 months. United Gateway Card: $1,000 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.