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Ink Business Premier® Credit Card vs The American Express Blue Business Cash™ Card
In this comparison, we aim to help you decide between the Ink Business Premier® Credit Card from Chase and the The American Express Blue Business Cash™ Card from American Express. Both cards offer unique features tailored for business owners, but they cater to different spending habits and financial goals.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for business owners who seek robust cash back rewards on larger purchases. With a focus on providing flexibility and travel benefits, this card is well-suited for businesses that frequently make significant expenditures.
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card is an excellent choice for small business owners who want a no-annual-fee card with a straightforward cash back structure. This card is ideal for those looking to earn rewards on everyday business expenses without worrying about annual fees.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | The American Express Blue Business Cash™ Card |
|---|---|---|
| Annual Fee | $195 | No annual fee |
| Welcome Bonus | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months | Earn a $250 statement credit after you make $3,000 in purchases in your first 3 months |
| Rewards Structure | Unlimited 2.5% cash back on purchases of $5,000 or more, unlimited 2% on all other purchases | Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% |
| Foreign Transaction Fee | No | No |
| Other Fees | No additional cost for employee cards | No annual fee |
| Additional Benefits | Travel benefits, purchase protection, fraud protection, and cell phone protection | Expanded Buying Power, no preset spending limit |
Rewards Highlights
Ink Business Premier® Credit Card
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Unlimited 5% total cash back on travel purchased through Chase Travel℠.
- Unlimited 2.5% total cash back on purchases of $5,000 or more.
- Unlimited 2% cash back on all other business purchases.
The American Express Blue Business Cash™ Card
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- 1% cash back on all eligible purchases after spending $50,000 per calendar year.
Pros and Cons
Ink Business Premier® Credit Card
- Pros:
- High rewards on large purchases.
- Strong travel benefits.
- No foreign transaction fees.
- Flexible payment options through Flex for Business feature.
- Cons:
- High annual fee.
- High spending requirement for welcome bonus.
The American Express Blue Business Cash™ Card
- Pros:
- No annual fee.
- Simple cash back structure.
- Expanded Buying Power feature.
- Lower spending requirement for welcome bonus.
- Cons:
- Lower cash back rate compared to other cards on larger purchases.
- Cash back cap on higher earnings.
Who Should Consider Which Card?
Ink Business Premier® Credit Card: Best for businesses that frequently make large purchases and want to maximize cash back on those transactions, as well as those who travel often and benefit from travel rewards.
The American Express Blue Business Cash™ Card: Ideal for small business owners who prefer a no-annual-fee card and want to earn straightforward cash back on everyday expenses without the complexities of tiered rewards.
Conclusion
Both the Ink Business Premier® Credit Card and the The American Express Blue Business Cash™ Card offer unique advantages depending on your business needs. Consider your spending habits and financial goals to determine which card aligns best with your business strategy.