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

Gas

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

Public transit

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

Rideshare & taxis

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

Tolls

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

Lyft

  1. Ink Business Unlimited 5.0% 5%
  2. United Gateway 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 Gateway Card is the better card for everyday spend.

Where they differ: Ink Business Unlimited 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 Unlimited1.5%
GasUnited Gateway Card2.4%
Public transitUnited Gateway Card2.4%
Rideshare & taxisUnited Gateway Card2.4%
TollsUnited Gateway 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 Gateway Card — 1.2%

Gas

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

Public transit

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

Rideshare & taxis

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

Tolls

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

Lyft

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