Ink Business Unlimited Credit Card vs. United Club Infinite Card
On the criteria below, United Club Infinite Card wins 3 of 5. The verdict depends on which criteria matter to you.
Ink Business Unlimited Credit Card
Chase
United Club Infinite Card
Chase
United Club Infinite Card wins 3 of 5 criteria here, making it the stronger all-rounder.
Ink Business Unlimited Credit Card wins on first-year math and annual fee; United Club Infinite Card wins on earning ceiling, lounge access, and foreign transactions.
Pick the Ink Business Unlimited Credit Card if year-one math is your priority; take the Ink Business Unlimited Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 3- First-year math Ink Business Unlimited Credit Card
Ink Business Unlimited Credit Card wins on bonus value minus annual fee.
- Annual fee Ink Business Unlimited Credit Card
Ink Business Unlimited Credit Card is $695 cheaper to keep.
- Earning ceiling United Club Infinite Card
United Club Infinite Card earns more on its best category (11× vs 5×).
- Lounge access United Club Infinite Card
United Club Infinite Card includes lounge access; the other doesn't.
- Foreign transactions United Club Infinite Card
United Club Infinite Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $695
- Welcome offer (typical value)
- $750
- $1,170
- First-year net
- +$750
- +$475
- Peak earning rate
- 5×
- 11×
- Top categories
- Lyft
- Airfare, Travel, Hotels Resorts
- Lounge access
- No
- United Club
- 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.