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Chase Amazon Visa vs United Business Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. United Business Card 1.2% 1x base rate
  2. Amazon Visa 1.0% 1% base rate

Dining

  1. United Business Card 2.4% 2x
  2. Amazon Visa 2.0% 2%

Gas

  1. United Business Card 2.4% 2x
  2. Amazon Visa 2.0% 2%

Travel · portal

  1. Amazon Visa · Chase Travel 3.0% 3%

Amazon

  1. Amazon Visa 3.0% 3%
  2. United Business Card 1.2% 1x base rate

Whole Foods Market

  1. Amazon Visa 3.0% 3%
  2. United Business Card 1.2% 1x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. Amazon Visa 2.0% 2%

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Amazon Visa 2.0% 2%

Tolls

  1. United Business Card 2.4% 2x
  2. Amazon Visa 1.0% 1% base rate

What the numbers are doing

United Business Card tops everything else at 1.2% only because this table values its points at 1.2 cents each. Value them at one cent and Amazon Visa wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Amazon Visa $0 and United Business Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Business Card takes everything else, dining, gas and public transit, plus 2 more; Amazon Visa takes amazon and whole foods market.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Business Card1.2%
DiningUnited Business Card2.4%
GasUnited Business Card2.4%
Travel · portalAmazon Visa · Chase Travel3.0%
AmazonAmazon Visa3.0%
Whole Foods MarketAmazon Visa3.0%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. United Business Card — 1.2%
  2. Amazon Visa — 1.0%

Dining

  1. United Business Card — 2.4%
  2. Amazon Visa — 2.0%

Gas

  1. United Business Card — 2.4%
  2. Amazon Visa — 2.0%

Travel · portal

  1. Amazon Visa · Chase Travel — 3.0%

Amazon

  1. Amazon Visa — 3.0%
  2. United Business Card — 1.2%

Whole Foods Market

  1. Amazon Visa — 3.0%
  2. United Business Card — 1.2%

Public transit

  1. United Business Card — 2.4%
  2. Amazon Visa — 2.0%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Amazon Visa — 2.0%

Tolls

  1. United Business Card — 2.4%
  2. Amazon Visa — 1.0%
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