Both are business travel cards. The Chase Ink Business Premier comes from Chase at $195/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Both cards come from Chase and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The United Club Business Card costs $500 more per year — only worth it if you'll actually use the upgraded perks.
| Feature | Chase Ink Business Premier | United Club Business Card |
|---|---|---|
| Annual fee | $195 | $695 |
| Sign-up bonus | 100,000 points | 75,000 miles |
| Bonus value (est.) | $2,000 | $1,050 |
| Min spend to unlock bonus | $10,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | business | business |
| Best earning category (Travel_chase) | 5x | 1x |
| Transfer partners | chase-ur | mileageplus |
| Headline benefits |
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Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards — perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.
