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All comparisons
Head-to-head, 2026

Chase Ink Business Premier Chase United 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 BusinessBigger welcome offer: Chase Ink Business Premier

Chase

Ink Business Premier

Annual fee
$195
Network
visa
Welcome value
$1,000
Min spend
$10,000 / 3mo

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 2.5×Large purchases · Chase Ultimate Rewards
  • 2×All purchases · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • Cell Phone Protection · $60
  • Trip Cancellation/Interruption Insurance · $50
  • No Foreign Transaction Fees · $50
  • Extended Warranty Protection · $25
Full Chase Ink Business Premier review

Chase

United Business

Annual fee
$150
Network
visa
Welcome value
$900
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 2×gas stations · United MileagePlus
  • 2×office supply stores · United MileagePlus
  • 2×dining · United MileagePlus

Key benefits

  • First Checked Bag Free · $140
  • 1x Base Earning Rate · $138
  • $125 United Travel Credit · $125
  • Premier Qualifying Points (PQP) Earn · $100
  • 2 United Club One-Time Passes · $100
Full Chase United 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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