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Chase Ink Business Premier vs United Gateway 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 Premier 2.0% 2% base rate
  2. United Gateway Card 1.2% 1x base rate

Gas

  1. United Gateway Card 2.4% 2x
  2. Ink Business Premier 2.0% 2% base rate

Travel · portal

  1. Ink Business Premier · Chase Travel 5.0% 5%

Public transit

  1. United Gateway Card 2.4% 2x
  2. Ink Business Premier 2.0% 2% base rate

Rideshare & taxis

  1. United Gateway Card 2.4% 2x
  2. Ink Business Premier 2.0% 2% base rate

Tolls

  1. United Gateway Card 2.4% 2x
  2. Ink Business Premier 2.0% 2% base rate

Lyft

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

What the numbers are doing

United Gateway Card tops gas at 2.4% only because this table values its points at 1.2 cents each. Value them at one cent and Ink Business Premier wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Premier $195 and United Gateway Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Premier takes everything else and lyft; United Gateway Card takes gas, public transit, rideshare & taxis and tolls.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Premier2.0%
GasUnited Gateway Card2.4%
Travel · portalInk Business Premier · Chase Travel5.0%
Public transitUnited Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway Card2.4%
LyftInk Business Premier5.0%

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. Ink Business Premier — 2.0%
  2. United Gateway Card — 1.2%

Gas

  1. United Gateway Card — 2.4%
  2. Ink Business Premier — 2.0%

Travel · portal

  1. Ink Business Premier · Chase Travel — 5.0%

Public transit

  1. United Gateway Card — 2.4%
  2. Ink Business Premier — 2.0%

Rideshare & taxis

  1. United Gateway Card — 2.4%
  2. Ink Business Premier — 2.0%

Tolls

  1. United Gateway Card — 2.4%
  2. Ink Business Premier — 2.0%

Lyft

  1. Ink Business Premier — 5.0%
  2. United Gateway Card — 2.4%
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