United℠ Club vs Ink Business Unlimited®
Side-by-side comparison
| United℠ Club | Ink Business Unlimited® | |
|---|---|---|
| Annual fee | $695 | No annual fee |
| Welcome offer | Up to 90,000 bonus miles | |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 2% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $522 | $675 |
| Points type | Locked to United MileagePlus | Pools with Chase → transferable |
| 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 United℠ Club earns about $522 a year in rewards and the Ink Business Unlimited® about $675, valuing every point at a flat 1 cent. The United℠ Club charges $695, but carries about $750 in annual statement credits that offset it for anyone who uses them. The Ink Business Unlimited® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Ink Business Unlimited® delivers more total value, about $473 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Ink Business Unlimited® earns points you can move to travel partners for outsized value, while the United℠ Club stays locked to a single airline or hotel program. Favor the Ink Business Unlimited® if you will use travel transfers, the United℠ Club if you want simplicity. On the sign-up bonus, the two are currently comparable in size. Note that Ink Business Unlimited® is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Club if your spending leans toward travel. Pick the Ink Business Unlimited® if your spending leans toward advertising, shipping, office supplies.