Head to head

Ink Business Cash Credit Card vs. United Explorer Card

On the criteria below, Ink Business Cash Credit Card wins 2 of 4. The verdict depends on which criteria matter to you.

Ink Business Cash Credit Card

Chase

Chase

At a glance

Ink Business Cash Credit Card wins 2 of 4 criteria here, making it the stronger all-rounder.

Ink Business Cash Credit Card wins on annual fee and earning ceiling; United Explorer Card wins on foreign transactions.

Pick the United Explorer Card if year-one math is your priority; take the Ink Business Cash Credit Card if you want a cheaper card to keep long-term.

2 vs 1 (1 tie)

First-year math Tie

Both cards land within $25 of each other after the annual fee.
Annual fee Ink Business Cash Credit Card

Ink Business Cash Credit Card is $150 cheaper to keep.
Earning ceiling Ink Business Cash Credit Card

Ink Business Cash Credit Card earns more on its best category (5× vs 2×).
Foreign transactions United Explorer Card

United Explorer Card has a lower (or zero) foreign transaction fee.

Annual fee: Free; $150
Welcome offer (typical value): $750; $910
First-year net: +$750; +$760
Peak earning rate: 5×; 2×
Top categories: Dining, Gas, Internet Cable Phone; Airfare, Dining, Hotels Resorts
Lounge access: No; No
Travel insurance: Yes; Yes
Elite status: No; No
Foreign transaction fee: 3.00%; None
Reward currency: Chase Ultimate Rewards; United MileagePlus

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.