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Last updated
Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | Ink Business UnlimitedChaseBusiness | United Club InfiniteChase |
|---|---|---|
| Costs & value | ||
| Annual fee | $0 Inferred by source | $695 Inferred by source |
| Realized value* | $0 | $120 |
| Net / year | +$0 | −$575 |
| Value check | Earns its keep | Earns its keep |
| Rewards | cashback | miles |
| Cash advance (ATM) | Either $10 or 5% of each transaction, whichever is greater Inferred by source | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
| LoungesFull breakdown → | ||
| Networks | — | |
| Points & MilesFull breakdown → | ||
| Earn rates | 1.5× Every purchase Inferred by source | 4× United purchases Inferred by source 2× Dining & all other travel Inferred by source 1× Everything else Inferred by source |
| Redemption ValueFull breakdown → | ||
| Portal value | 1¢ per pt Inferred by source | 1.3¢ per pt Estimated by source |
| Hotel PerksFull breakdown → | ||
| Free first & second checked bags | — | Included Inferred by source |
| Premier status boost | — | Included Inferred by source |
| CreditsFull breakdown → | ||
| Credits | — | 1 credit · $120/yr |
| ProtectionsFull breakdown → | ||
| Rental car CDW | Primary CDW on business rentals (secondary for personal), up to $60,000 (MSRP ≤$125k) Verified by source | Primary CDW coverage Inferred by source |
| Baggage | Delay $100/day up to 5 days (6+ hr delay); lost luggage up to $3,000/passenger Verified by source | Up to $3,000 per passenger Inferred by source |
| Purchase protection | Up to $10,000/claim, $50,000/account/year; 120 days from purchase (90 days for NY) Verified by source | — |
| Extended warranty | Extends manufacturer's warranty by 1 additional year on warranties of 3 years or less Inferred by source | — |
| Travel accident | Up to $500,000 accidental death and dismemberment on common carrier Inferred by source | — |
| Roadside assistance | 24/7 Roadside Dispatch pay-per-use ($69.95/call billed to card) Inferred by source | — |
| Trip cancellation | — | Up to $10,000/person, $20,000/trip Inferred by source |
| Foreign Tx FeesFull breakdown → | ||
| Fee | 3% Inferred by source | None Inferred by source |
| CashbackFull breakdown → | ||
| Rate | Flat 1.5% cash back on every purchase Inferred by source | — |
| Apply & freshness | ||
| Data last verified | Jun 17, 2026 | Jun 3, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Ink Business Unlimited® Credit Card comes out ahead: by realized value minus the annual fee, the Ink Business Unlimited® Credit Card nets +$0/yr and the United Club℠ Infinite Card nets −$575/yr. Which is actually better depends on your spending and which perks you'll use.
The Ink Business Unlimited® Credit Card has the lower annual fee ($0 vs $695).
The United Club℠ Infinite Card includes lounge access (United Club); the Ink Business Unlimited® Credit Card does not.