Ink Business Preferred vs United Club Business
Ink Business Preferred
$95/yr
8.0/10
VS
United Club Business
$695/yr
5.5/10
Quick Answer
Ink Business Preferred charges $95/yr with 1X base rewards. United Club Business charges $695/yr with 1X base rewards. Ink Business Preferred offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Ink Business Preferred
Lower annual fee ($95 vs $695)
Rewards Earning
Ink Business Preferred
5 earning categories
Benefits & Protection
Ink Business Preferred
5 benefits vs 0
Statement Credits
Ink Business Preferred
$100 in annual credits
Flexibility
Ink Business Preferred
Transferable points to airline/hotel partners
OUR PICK
Ink Business Preferred wins for most people
The $600 fee difference is hard to justify unless you maximize premium benefits.
Apply for Ink Business PreferredPREMIUM PICK
United Club Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United Club BusinessRewards Earning: Detailed Comparison
Ink Business Preferred
| Shipping purchases | 3.0X (up to $150,000) |
| Social media and search engine advertising | 3.0X (up to $150,000) |
| Internet, cable, and phone services | 3.0X (up to $150,000) |
| Travel | 3.0X (up to $150,000) |
| All other purchases | 1.0X |
United Club Business
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |
Card Benefits: Detailed Comparison
Ink Business Preferred (5 benefits)
- Trip Cancellation/Interruption Insurance (up to $5,000)
- Primary Auto Rental Coverage (up to $60,000)
- Purchase Protection (up to $10,000)
- Extended Warranty Protection
- Cell Phone Protection (up to $1,000)
United Club Business (0 benefits)
No benefits data available