Ink Business Cash® vs United℠ Business Card
Side-by-side comparison
| Ink Business Cash® | United℠ Business Card | |
|---|---|---|
| Annual fee | No annual fee | $150 |
| Welcome offer | 100,000 miles | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 5% | 2% |
| Phone & internet | 5% | 1% |
| Travel | 1% | 2% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $684 | $570 |
| Points type | Pools with Chase → transferable | 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 Cash® earns about $684 a year in rewards and the United℠ Business Card about $570, valuing every point at a flat 1 cent. The Ink Business Cash® has no annual fee, so its rewards are all profit. The United℠ Business Card charges $150, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Ink Business Cash® delivers more total value, about $264 a year more for a typical spender, mostly because it earns more where you spend most, on office supplies and phone & internet. The bigger difference is the ceiling: the Ink Business Cash® earns points you can move to travel partners for outsized value, while the United℠ Business Card stays locked to a single airline or hotel program. Favor the Ink Business Cash® if you will use travel transfers, the United℠ Business Card if you want simplicity. On the sign-up bonus, the two are currently comparable in size. Note that Ink Business Cash® 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 Ink Business Cash® if your spending leans toward office supplies, phone & internet. Pick the United℠ Business Card if your spending leans toward travel.