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Ink Business Premier® Credit Card vs The Blue Business® Plus Credit Card from American Express
This comparison aims to help you decide between the Ink Business Premier® Credit Card from Chase and the The Blue Business® Plus Credit Card from American Express. Both cards offer unique features tailored to business needs, making it essential to understand their differences and benefits.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for businesses that want to earn cash back on their spending, particularly for larger purchases. With a competitive rewards structure and built-in financial protections, this card suits businesses looking to maximize their cash flow.
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express targets small business owners who prioritize earning Membership Rewards® points on everyday purchases. With no annual fee and flexibility in spending, this card is ideal for those who want to earn rewards on common business expenses.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | The Blue Business® Plus Credit Card from American Express |
|---|---|---|
| Annual Fee | $195 | No annual fee |
| Welcome Bonus | Earn $1,000 bonus cash back after spending $10,000 in the first 3 months | Earn 15,000 Membership Rewards® points after spending $3,000 in the first 3 months |
| Rewards Structure | Unlimited 5% cash back on travel through Chase Travel℠, 2.5% on purchases over $5,000, 2% on all other purchases | 2X points on the first $50,000 in purchases per year, 1 point per dollar thereafter |
| Foreign Transaction Fee | No | No |
| Other Fees | Flex for Business feature available | Flexibility with Expanded Buying Power |
| Additional Benefits | Fraud Protection, Cell Phone Protection, Purchase Protection | No Annual Fee, Terms Apply |
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 Blue Business® Plus Credit Card from American Express
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Pros and Cons
Ink Business Premier® Credit Card
- Pros:
- High cash back rates on larger purchases.
- Comprehensive travel and purchase protections.
- Flexibility to pay over time with qualifying purchases.
- Cons:
- Annual fee of $195.
- Higher spending requirement for the welcome bonus.
The Blue Business® Plus Credit Card from American Express
- Pros:
- No annual fee.
- Earn Membership Rewards® points on everyday purchases.
- Flexibility with Expanded Buying Power.
- Cons:
- Lower cash back rates compared to Ink Business Premier.
- 2X points limit on the first $50,000 in purchases.
Who Should Consider Which Card?
The Ink Business Premier® Credit Card is ideal for businesses that frequently make large purchases and want to maximize cash back rewards. It suits those who can benefit from robust protections and travel benefits.
The The Blue Business® Plus Credit Card from American Express is best for small business owners who want to earn rewards on everyday expenses without the burden of an annual fee. It offers flexibility and is great for those who appreciate earning Membership Rewards® points.
Conclusion
In conclusion, both the Ink Business Premier® Credit Card and The Blue Business® Plus Credit Card from American Express cater to different business needs. Consider your individual spending patterns, business goals, and whether you prefer cash back or rewards points to make the best choice for your financial situation.