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Each card across six value dimensions (0–100). Bigger area = more all-round value.
| Perk | ChaseInk Business CashChase | ChaseUnited Club InfiniteChase |
|---|---|---|
| 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 |
| Lounges | — | |
| Points & Miles | 5× Office supply stores & internet/cable/phone Inferred by source 2× Gas stations & restaurants Inferred by source 1× Everything else Inferred by source | 4× United purchases Inferred by source 2× Dining & all other travel Inferred by source 1× Everything else Inferred by source |
| Redemption Value | 1¢ per pt Inferred by source | 1.3¢ per pt Estimated by source |
| Hotel Perks | — | Free first & second checked bags Inferred by source Premier status boost Inferred by source |
| Credits | — | 1 credit · $120/yr |
| Protections | rental cdw — Primary CDW on business rentals Inferred by source baggage — Delay $100/day up to 5 days (6+ hr delay, essential items); lost luggage up to $3,000/traveler ($500 sub-cap for cameras, jewelry, electronics) Verified by source travel accident — Up to $500,000 accidental death and dismemberment Inferred by source roadside assistance — 24/7 roadside dispatch (pay-per-use; fees billed to card) Verified 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 (up to 4 years); up to $10,000/claim, $50,000/account/year Verified by source | trip cancellation — Up to $10,000/person, $20,000/trip Inferred by source rental cdw — Primary CDW coverage Inferred by source baggage — Up to $3,000 per passenger Inferred by source |
| Foreign Tx Fees | 3% Inferred by source | None Inferred by source |
| Cashback | 5% at office supply stores & internet/cable/phone, 2% at gas & restaurants (each first $25k/yr), 1% else Inferred by source | — |
| 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 Cash® Credit Card comes out ahead: by realized value minus the annual fee, the Ink Business Cash® 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 Cash® Credit Card has the lower annual fee ($0 vs $695).
The United Club℠ Infinite Card includes lounge access (United Club); the Ink Business Cash® Credit Card does not.