12 Difference Between Chase Ink Business Unlimited And Amex Blue Business Cash Card

1. Amex blue business cash card does not offer sign up bonus. Chase business unlimited offers $500 sign up bonus. Amex blue business cash card offers 2% cash back on up to $50000 purchase per calendar year, then 1 %. Chase ink business unlimited offers unlimited 1.5 % cash back on all purchases. Ink business unlimited offers employee card at no extra cost.
You can find total rewards after different spending on both cards in following table.

 

Spending Per Year

Rewards in First Year

Rewards in second year

Ink Business Unlimited

$20000

$500(intro Bonus)+ $300 = $800

$300

Amex Blue Business Cash

$20000

$400

$400

Ink Business Unlimited

$40000

$500(intro Bonus)+ $600 = $1100

$600

Amex Blue Business Cash

$40000

$800 

$800

Ink Business Unlimited

$60000

$500+$900= $1400

$900

Amex Blue Business Cash

$60000

$50000*2%+$10000*1% = $1100

$1100

Ink Business Unlimited

$80000

$500+$1200 = $1700

$1200

Amex Blue Business Cash

$80000

$50000*2%+$30000*1% = $1300

$1300

Ink Business Unlimited

$100000

$500+$1500=$2000

$1500

Amex Blue Business Cash

$100000

$50000*2%+$50000*1% = $1500

$1500

2. Pros:

Ink business unlimited

Amex blue business cash card

High rewards rate

Credit limit flexibility

No annual fee

High reward rate

Intro APR period on Purchases

No annual fee

$500 Sign up Bonus

0% intro apr on purchase and balance transfer

 

Automatic Redemption

3. Cons:

Ink business unlimited

Amex blue business cash card

Flat reward rate

No sign up bonus

No bonus category

Annual spending cap

4. Annual Fee:

Ink business unlimited:

$0

Amex blue business cash card:

$0

5. Regular Apr:

Ink business unlimited:

15.24% – 21.24% Variable APR

Amex blue business cash card:

15.24% – 21.24% Variable APR

6. Intro Apr:

Ink business unlimited:

0% introductory APR for 12 months on purchases

Amex blue business cash card:

0.0% intro APR on purchases and balance transfers for 12 months

7. Credit Needed:

Ink business unlimited:

690- 850 Good To Excellent

Amex blue business cash card:

690- 850 Good to Excellent

8. Sign Up Bonus:

Ink business unlimited:

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening

Amex blue business cash card:

N/A

9. Reward Rate:

Ink business unlimited:

1.5% cash back on every purchase

Amex blue business cash card:

2% cash back on up to $50,000 in purchases per calendar year
1% cash back on all purchases after that

10. Foreign Transaction Fee:

Ink business unlimited:

3%

Amex blue business cash card:

2.7%

11. Other Benefits:

Ink business unlimited:

No fee for employee cards
Set individual limits per card
Mobile wallet app to track receipts

Amex blue business cash card:

Flexible credit limit
Working Capital Terms
0 percent introductory APR
Free business expense tracking tools
Extended warranties
Car rental insurance

12. Balance Transfer Fee:

Ink business unlimited:

5% Min $5

Amex blue business cash card:

3% Min $5

Chase Ink Business Unlimited Review With Pro And Cons

 

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