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Chase Ink Business Preferred vs United Quest 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 Quest Card 1.2% 1x base rate

Dining

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

Travel

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

Streaming

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

Phone & internet

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

Shipping

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

Advertising

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

Flights

  1. Ink Business Preferred 6.2% 3x
  2. United Quest Card 4.8% 4x

Hotels

  1. Ink Business Preferred 6.2% 3x
  2. United Quest Card 2.4% 2x

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers 6.0% 5x

Lyft

  1. Ink Business Preferred 10.3% 5x
  2. United Quest Card 1.2% 1x base rate

What the numbers are doing

Ink Business Preferred tops flights at 6.2% only because this table values its points at 2.05 cents each. Value them at one cent and United Quest Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Preferred $95 and United Quest Card $350 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 Quest Card takes dining, travel and streaming.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Preferred2.1%
DiningUnited Quest Card2.4%
TravelUnited Quest Card2.4%
StreamingUnited Quest Card2.4%
Phone & internetInk Business Preferred6.2%
ShippingInk Business Preferred6.2%
AdvertisingInk Business Preferred6.2%
FlightsInk Business Preferred6.2%
HotelsInk Business Preferred6.2%
Hotels · portalUnited Quest Card · Renowned Hotels for United Cardmembers6.0%
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 Quest Card — 1.2%

Dining

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

Travel

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

Streaming

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

Phone & internet

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

Shipping

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

Advertising

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

Flights

  1. Ink Business Preferred — 6.2%
  2. United Quest Card — 4.8%

Hotels

  1. Ink Business Preferred — 6.2%
  2. United Quest Card — 2.4%

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers — 6.0%

Lyft

  1. Ink Business Preferred — 10.3%
  2. United Quest Card — 1.2%
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