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Chase Ink Business Preferred 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. Ink Business Preferred 2.1% 1x base rate
  2. United Business Card 1.2% 1x base rate

Dining

  1. United Business Card 2.4% 2x
  2. Ink Business Preferred 2.1% 1x base rate

Gas

  1. United Business Card 2.4% 2x
  2. Ink Business Preferred 2.1% 1x base rate

Phone & internet

  1. Ink Business Preferred 6.2% 3x
  2. United Business Card 1.2% 1x base rate

Shipping

  1. Ink Business Preferred 6.2% 3x
  2. United Business Card 1.2% 1x base rate

Advertising

  1. Ink Business Preferred 6.2% 3x
  2. United Business Card 1.2% 1x base rate

Flights

  1. Ink Business Preferred 6.2% 3x
  2. United Business Card 1.2% 1x base rate

Hotels

  1. Ink Business Preferred 6.2% 3x
  2. United Business Card 1.2% 1x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. Ink Business Preferred 2.1% 1x base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Ink Business Preferred 2.1% 1x base rate

Tolls

  1. United Business Card 2.4% 2x
  2. Ink Business Preferred 2.1% 1x base rate

Lyft

  1. Ink Business Preferred 10.3% 5x
  2. United Business Card 2.4% 2x

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Preferred $95 and United Business Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Preferred takes everything else, phone & internet, shipping and advertising, plus 3 more; United Business Card takes dining, gas, public transit and rideshare & taxis, plus 1 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Preferred2.1%
DiningUnited Business Card2.4%
GasUnited Business Card2.4%
Phone & internetInk Business Preferred6.2%
ShippingInk Business Preferred6.2%
AdvertisingInk Business Preferred6.2%
FlightsInk Business Preferred6.2%
HotelsInk Business Preferred6.2%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%
LyftInk Business Preferred10.3%

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. Ink Business Preferred — 2.1%
  2. United Business Card — 1.2%

Dining

  1. United Business Card — 2.4%
  2. Ink Business Preferred — 2.1%

Gas

  1. United Business Card — 2.4%
  2. Ink Business Preferred — 2.1%

Phone & internet

  1. Ink Business Preferred — 6.2%
  2. United Business Card — 1.2%

Shipping

  1. Ink Business Preferred — 6.2%
  2. United Business Card — 1.2%

Advertising

  1. Ink Business Preferred — 6.2%
  2. United Business Card — 1.2%

Flights

  1. Ink Business Preferred — 6.2%
  2. United Business Card — 1.2%

Hotels

  1. Ink Business Preferred — 6.2%
  2. United Business Card — 1.2%

Public transit

  1. United Business Card — 2.4%
  2. Ink Business Preferred — 2.1%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Ink Business Preferred — 2.1%

Tolls

  1. United Business Card — 2.4%
  2. Ink Business Preferred — 2.1%

Lyft

  1. Ink Business Preferred — 10.3%
  2. United Business Card — 2.4%
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