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Chase Ink Business Unlimited 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 Unlimited 1.5% 1.5% base rate
  2. United Business Card 1.2% 1x base rate

Dining

  1. United Business Card 2.4% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Gas

  1. United Business Card 2.4% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Public transit

  1. United Business Card 2.4% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Tolls

  1. United Business Card 2.4% 2x
  2. Ink Business Unlimited 1.5% 1.5% base rate

Lyft

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

What the numbers are doing

Abroad the answer flips: Ink Business Unlimited charges a 3% foreign transaction fee, so once that comes off the rate United Business Card is the better card for everyday spend.

The table is earn rate only — annual fees are not netted out of it. These cards charge Ink Business Unlimited $0 and United Business Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: Ink Business Unlimited takes everything else and lyft; United Business Card takes dining, gas, public transit and rideshare & taxis, plus 1 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Unlimited1.5%
DiningUnited Business Card2.4%
GasUnited Business Card2.4%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%
LyftInk Business Unlimited5.0%

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 Unlimited — 1.5%
  2. United Business Card — 1.2%

Dining

  1. United Business Card — 2.4%
  2. Ink Business Unlimited — 1.5%

Gas

  1. United Business Card — 2.4%
  2. Ink Business Unlimited — 1.5%

Public transit

  1. United Business Card — 2.4%
  2. Ink Business Unlimited — 1.5%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Ink Business Unlimited — 1.5%

Tolls

  1. United Business Card — 2.4%
  2. Ink Business Unlimited — 1.5%

Lyft

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