Ink Business Unlimited Credit Card vs. United Gateway Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Ink Business Unlimited Credit Card
Chase
United Gateway Card
Chase
Ink Business Unlimited Credit Card and United Gateway Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Ink Business Unlimited Credit Card wins on first-year math; United Gateway Card wins on foreign transactions.
Pick the Ink Business Unlimited Credit Card if year-one math is your priority.
Who wins what
1 vs 1 (2 tie)- First-year math Ink Business Unlimited Credit Card
Ink Business Unlimited Credit Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Foreign transactions United Gateway Card
United Gateway Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $750
- $520
- First-year net
- +$750
- +$520
- Peak earning rate
- 5×
- 5×
- Top categories
- Lyft
- Airfare, Travel, Gas
- 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.