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Chase Ink Business Cash vs United Club 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 Club Business Card 1.8% 1.5x base rate
  2. Ink Business Cash 1.0% 1% base rate

Dining

  1. Ink Business Cash 2.0% 2%
  2. United Club Business Card 1.8% 1.5x base rate

Gas

  1. Ink Business Cash 2.0% 2%
  2. United Club Business Card 1.8% 1.5x base rate

Phone & internet

  1. Ink Business Cash 5.0% 5%
  2. United Club Business Card 1.8% 1.5x base rate

Lyft

  1. Ink Business Cash 5.0% 5%
  2. United Club Business Card 1.8% 1.5x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Cash $0 and United Club Business Card $695 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Club Business Card takes everything else; Ink Business Cash takes dining, gas, phone & internet and lyft.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Club Business Card1.8%
DiningInk Business Cash2.0%
GasInk Business Cash2.0%
Phone & internetInk Business Cash5.0%
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 Club Business Card — 1.8%
  2. Ink Business Cash — 1.0%

Dining

  1. Ink Business Cash — 2.0%
  2. United Club Business Card — 1.8%

Gas

  1. Ink Business Cash — 2.0%
  2. United Club Business Card — 1.8%

Phone & internet

  1. Ink Business Cash — 5.0%
  2. United Club Business Card — 1.8%

Lyft

  1. Ink Business Cash — 5.0%
  2. United Club Business Card — 1.8%
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