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Chase Ink Business Premier vs United Business Card

Both are business travel cards. The Chase Ink Business Premier comes from Chase at $195/yr; the United Business Card from Chase at $99/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 Chase Ink Business Premier costs $96 more per year — only worth it if you'll actually use the upgraded perks.

FeatureChase Ink Business PremierUnited Business Card
Annual fee$195$99
Sign-up bonus100,000 points75,000 miles
Bonus value (est.)$2,000$1,050
Min spend to unlock bonus$10,000 in 3 mo$5,000 in 3 mo
IssuerChaseChase
Card categorybusinessbusiness
Best earning category (Travel_chase)5x1x
Transfer partnerschase-urmileageplus
Headline benefits
  • 100k bonus (one of largest)
  • 2.5x on $5k+ purchases
  • 5x Chase Travel
  • Pay-in-full (no APR)
  • $100 credit after $10k spend
  • $50 hotel credit 2x/year
  • Free checked bag (you + 1)
  • 2 United Club passes/yr
Read the full review
Chase Ink Business Premier
$195/yr · 100,000 points
Read the full review
United Business Card
$99/yr · 75,000 miles

Editorial take: Chase Ink Business Premier

Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards — perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.

Editorial take: United Business Card

Strong United business card under $100 fee. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit easily cover the AF for any United-leaning small business.

Common questions

Which card has the bigger sign-up bonus, Chase Ink Business Premier or United Business Card?
The Chase Ink Business Premier has the bigger bonus — 100,000 points, worth roughly $2,000, versus 75,000 miles (~$1,050) on the United Business Card.
Is the Chase Ink Business Premier's $195 annual fee worth it compared to the United Business Card?
At $195/yr, the Chase Ink Business Premier is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Business Card's — pick the one whose perks you'll actually use.
Can I have both the Chase Ink Business Premier and United 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 Premier or the United Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Premier: $10,000 spend in 3 months. United 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.