Ink Business Premier vs United℠ Gateway
Side-by-side comparison
| Ink Business Premier | United℠ Gateway | |
|---|---|---|
| Annual fee | $195 | No annual fee |
| Welcome offer | $1,000 cash back | Up to 40,000 bonus miles |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 1% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $468 |
| Points type | Cash back only | Locked to United MileagePlus |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Ink Business Premier earns about $900 a year in rewards and the United℠ Gateway about $468, valuing every point at a flat 1 cent. The Ink Business Premier charges $195, which you clear through its rewards and perks. The United℠ Gateway has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Ink Business Premier delivers more total value, about $237 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Ink Business Premier currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ink Business Premier if your spending leans toward advertising, shipping, office supplies.