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All comparisons
Head-to-head, 2026

Chase Ink Business Preferred Chase United Club Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase United Club Business

Chase

Ink Business Preferred

Annual fee
$95
Network
visa
Welcome value
—
Min spend
$8,000 / 3mo

Top earning rates

  • 5×Qualifying Lyft products and services
  • 3×Shipping; social media and search engine advertising; travel; internet, cable, and phone services
  • 1×All other purchases

Key benefits

  • Monthly DoorDash non-restaurant discount · $10
  • Travel and emergency assistance · $0
  • No foreign transaction fees · $0
  • Employee cards at no additional cost · $0
  • Zero liability protection · $0
Full Chase Ink Business Preferred review

Chase

United Club Business

Annual fee
$0
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 1.5×All other purchases · United MileagePlus

Key benefits

  • Free first and second checked bags · $300
  • 2 global Economy Plus seat upgrades (Spend Tier) · $200
  • JSX statement credit · $200
  • Renowned Hotels and Resorts credit · $200
  • Avis or Budget United travel credit · $100
Full Chase United Club Business review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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