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Blue Cash Preferred® Card from American Express vs Ink Business Unlimited® Credit Card
This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the Ink Business Unlimited® Credit Card. Both cards offer distinct rewards structures and benefits tailored to different user needs.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for consumers who spend significantly on groceries and streaming services. With its lucrative cash back rewards and various benefits, it is ideal for families and individuals looking to maximize their everyday spending.
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card appeals to business owners seeking a straightforward rewards program. It offers unlimited cash back on all purchases, making it an excellent option for those who want to earn rewards without tracking categories.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Ink Business Unlimited® Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | No Annual Fee |
| Welcome Bonus | $250 statement credit after spending $3,000 in the first 6 months | $750 bonus cash back after spending $6,000 in the first 3 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets (up to $6,000/year), 6% on select streaming, 3% on transit and gas, 1% on other purchases | 1.5% cash back on every purchase |
| Foreign Transaction Fee | None | None |
| Other Fees | $0 intro plan fees for large purchases in first year, then up to 1.33% | None specified |
| Additional Benefits | Disney Bundle credit, Buy Now, Pay Later option, cash back redemption options | Employee cards at no cost, Zero Liability protection |
Rewards Highlights
The Blue Cash Preferred® Card offers an impressive rewards structure:
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on groceries and streaming services.
- Generous welcome bonus.
- No foreign transaction fees.
- Additional benefits like Disney Bundle credit.
- Cons:
- $95 annual fee after the first year.
- Requires a significant spend to maximize rewards.
Ink Business Unlimited® Credit Card
- Pros:
- No annual fee.
- Simple and straightforward cash back structure.
- Generous welcome bonus for business spend.
- Employee cards at no additional cost.
- Cons:
- Lower cash back rate compared to the Blue Cash Preferred on specific categories.
- Less tailored for personal spending needs.
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is ideal for consumers who frequently shop for groceries and use streaming services, making it perfect for families or individuals with high spending in those areas.
The Ink Business Unlimited® Credit Card is best suited for business owners who want a simple cash back structure and the ability to manage employee spending effectively without an annual fee.
Conclusion
In summary, both the Blue Cash Preferred® Card from American Express and the Ink Business Unlimited® Credit Card cater to different audiences. Users should assess their individual spending patterns and financial goals to determine which card aligns best with their needs.