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Side-by-side

Chase Ink Business Preferred vs United Club Infinite Card

Both are well-respected travel cards. The Chase Ink Business Preferred comes from Chase at $95/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

For most people the Chase Ink Business Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($880 more in estimated value) than the United Club Infinite Card's. Get the Chase Ink Business Preferred first; revisit the United Club Infinite Card after you've earned that bonus.

FeatureChase Ink Business PreferredUnited Club Infinite Card
Annual fee$95$695
Sign-up bonus100,000 points80,000 miles (up to 90,000 with authorized user)
Bonus value (est.)$2,000$1,120
Min spend to unlock bonus$8,000 in 3 mo$5,000 in 3 mo
IssuerChaseChase
Card categorybusinesstravel
Best earning category (Travel)3x2x
Transfer partnerschase-urNone
Headline benefits
  • 100,000 point sign-up bonus
  • 3x on travel, shipping, ads, internet ($150k cap)
  • Cell phone protection
  • Transfer to UR partners
  • United Club access
  • 4x on United
  • Hyatt Discoverist
  • Priority everything
Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points
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 Preferred

The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on travel, shipping, internet/phone, and advertising (capped $150k/yr combined) plus full UR transfer access. Chase has added once-per-lifetime language; treat the bonus as a one-time opportunity.

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 Preferred or United Club Infinite Card?
The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, versus 80,000 miles (up to 90,000 with authorized user) (~$1,120) on the United Club Infinite Card.
Is the Chase Ink Business Preferred's $95 annual fee worth it compared to the United Club Infinite Card?
At $95/yr, the Chase Ink Business Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Club Infinite Card's, pick the one whose perks you'll actually use.
Can I have both the Chase Ink Business Preferred 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 Preferred or the United Club Infinite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Ink Business Preferred: $8,000 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.