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Side-by-side

Chase Ink Business Preferred vs United Gateway Card

Both are well-respected travel cards. The Chase Ink Business Preferred comes from Chase at $95/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 Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,610 more in estimated value) than the United Gateway Card's. Get the Chase Ink Business Preferred first; revisit the United Gateway Card after you've earned that bonus.

FeatureChase Ink Business PreferredUnited Gateway Card
Annual fee$95$0
Sign-up bonus100,000 points30,000 miles
Bonus value (est.)$2,000$390
Min spend to unlock bonus$8,000 in 3 mo$1,000 in 3 mo
IssuerChaseChase
Card categorybusinesstravel
Best earning category (Travel)3x1x
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
  • 2x on United + transit + gas
  • No annual fee
  • No foreign tx fees
  • 25% inflight rebate
Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points
Read the full review
United Gateway Card
$0/yr · 30,000 miles

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 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 Preferred or United Gateway Card?
The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, versus 30,000 miles (~$390) on the United Gateway Card.
Is the Chase Ink Business Preferred's $95 annual fee worth it compared to the United Gateway 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 Gateway Card's, pick the one whose perks you'll actually use.
Can I have both the Chase Ink Business Preferred 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 Preferred or the United Gateway 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 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.