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Chase Ink Business Cash 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. Ink Business Cash 1.0% 1% base rate

Dining

  1. United Business Card 2.4% 2x
  2. Ink Business Cash 2.0% 2%

Gas

  1. United Business Card 2.4% 2x
  2. Ink Business Cash 2.0% 2%

Phone & internet

  1. Ink Business Cash 5.0% 5%
  2. United Business Card 1.2% 1x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. Ink Business Cash 1.0% 1% base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Ink Business Cash 1.0% 1% base rate

Tolls

  1. United Business Card 2.4% 2x
  2. Ink Business Cash 1.0% 1% base rate

Lyft

  1. Ink Business Cash 5.0% 5%
  2. United Business Card 2.4% 2x

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 Ink Business Cash wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Cash $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; Ink Business Cash takes phone & internet and lyft.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Business Card1.2%
DiningUnited Business Card2.4%
GasUnited Business Card2.4%
Phone & internetInk Business Cash5.0%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%
LyftInk Business Cash5.0%

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. Ink Business Cash — 1.0%

Dining

  1. United Business Card — 2.4%
  2. Ink Business Cash — 2.0%

Gas

  1. United Business Card — 2.4%
  2. Ink Business Cash — 2.0%

Phone & internet

  1. Ink Business Cash — 5.0%
  2. United Business Card — 1.2%

Public transit

  1. United Business Card — 2.4%
  2. Ink Business Cash — 1.0%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Ink Business Cash — 1.0%

Tolls

  1. United Business Card — 2.4%
  2. Ink Business Cash — 1.0%

Lyft

  1. Ink Business Cash — 5.0%
  2. United Business Card — 2.4%
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