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A no annual fee business credit card can help you earn more rewards on your daily purchases. Each card earns bonus points on different spending habits. If you’re not sure which card to add to your wallet, check out this Amex Blue Business vs Chase Ink Cash comparison.

Blue Business vs Chase Ink Cash
In the Amex Blue Business vs Chase Ink Cash cards battle, which is better for your spending purchases? Photo by rawpixel.com from Pexels

The better option will depend on which card has the most earning potential, better point redemption options, and more attractive signup/welcome bonus.

Learn more:

Amex Blue Business vs Chase Ink Cash Review

The Ink Business Cash℠ Credit Card earns rewards points you can redeem for cash, gift cards, Amazon.com points, and travel.

There are two different versions of the Amex Blue Business Credit Cards.

Both the American Express® Blue Business Cash Card and Blue Business® Plus Credit Card from American Express have identical fees and rewards programs. For cash rewards, get the Blue Business Cash. For travel rewards and 1:1 Membership Rewards point transfers, get the Blue Business Plus.

Signup/Welcome Bonus

The Ink Cash gives you $500 bonus cash after spending $3,000 in the first 3 months. The Blue Business lineup doesn’t offer a cash or points signup bonus.

If you plan on spending at least $3,000 in the first 3 months, Chase puts an extra $500 in your pocket.

Verdict: Ink Business Cash℠ Credit Card

Earning Points

The Ink Business Cash awards up to 5% back (5 Ultimate Rewards points per $1 on every purchase) on every purchase:

  • 5% back at office supply stores and on internet, cable and phone services (on the first $25,000 in combined spending annually)
  • 2% back at gas stations and restaurants (on the first $25,000 spent in combined purchases annually)
  • 1% back on everything else

If you reach the annual $25,000 spending threshold, all remaining bonus category spending earns an unlimited 1% back. The $25,000 spending threshold resets annually after your account anniversary.

The Amex Blue Business reward system for both cards is straightforward. You earn 2% back (2 points per $1) on the first $50,000 in annual spending. All remaining purchases earn 1% back.

The Blue Business is a better option than the Ink Cash if most of your spending isn’t in the 5% or 2% bonus category. Also, the Blue Business earns more (2%) than the flat-rate Ink Business Unlimited℠ Credit Card (the Ink Business Cash’s sister card), which only earns unlimited 1.5% back on every purchase.

Verdict: American Express® Blue Business Cash Card & The Blue Business® Plus Credit Card from American Express

Redeeming Points

You are probably considering both of these cards because they are “cash back credit cards.”

For both the American Express® Blue Business Cash Card and Ink Business Cash℠ Credit Card, each point is worth 1 cent each for cash rewards. The Ink Business Cash also lets you redeem your points for travel, gift cards, and Amazon.com credit for 1 cent each.

With The Blue Business® Plus Credit Card from American Express, your points are worth 1 cent each when booking award flights on amextravel.com. They can easily be worth potentially more than 1 cent each when transferring them to the 1:1 airline transfer partners including Delta, Emirates, or Qantas.

However, your points are worth less than 1 cent each if redeeming for cash rewards.

Verdict: Toss Up

Pooling Rewards Points

You should also look at what other credit cards are in your wallet.

Both the Chase Ink Cash and Amex Blue Business Plus let you pool your points with your other cards that earn the same award currency.

For example, you might use the Chase Ink Cash for the 5% and 2% categories that the Chase Ink Business Preferred or Chase Sapphire card, one of the best Chase credit cards, only earn 1 point per $1 on. Redeeming your points on the Ink Business Preferred makes each point worth 1.25 cents each when booking award travel through Chase.

Plus, you get access to the 1:1 point travel transfer partners like United, Southwest, Emirates, and Hyatt.

The Amex Blue Business Plus earns Membership Rewards points just like the Business Platinum® Card from American Express or the American Express® Business Gold Card. With the Business Platinum, you can get 50% of your points back for a second redemption when booking award flights on AmexTravel.com.

Verdict: Toss Up

Additional Benefits

Both of these cards earn more value thanks to these extra benefits.

Ink Business Cash℠ Credit Card

  • Primary auto rental car collision damage waiver
  • Purchase protection up to $10,000 per claim
  • Extended warranty protection on select purchases

Amex Blue Business Credit Cards

  • Free vendor pay at Bill.com (Basic plan for one user)
  • Purchase protection up to $1,000 per occurrence
  • Extended warranty on select purchases
  • Secondary auto rental collision damage waiver


You won’t pay an annual fee with either card (See Rates & Fees of the American Express® Blue Business Cash Card) (See Rates & Fees of The Blue Business® Plus Credit Card from American Express). However, both cards charge a foreign transaction fee which means you should use another card for your international business trips.

Tip: Consider some of the best credit cards for international travel or even the best travel credit cards if you want a card that will earn you rewards and save you money while traveling.

Note that you may only be able to use your Amex card at major retailers, restaurants, and travel providers. American Express isn’t as universally accepted as the Ink Credit Cards issued by Visa.

The Chase Ink Plus has a foreign transaction fee but near-universal acceptance if you use it abroad. Although it’s not a monetary fee, the Chase Ink Plus falls under the Chase 5/24 rule. If you are the primary or authorized user on at least 5 new credit cards in the most recent 24 months, Chase will most likely decline your application.

Verdict: The Blue Business® Plus Credit Card from American Express

The Amex Blue Business Wins When…

The Blue Business lineup can be the better option in these instances:

  • Can earn more with the flat-rate 2% back on the first $50,000 spent
  • Want to earn Membership Rewards points for travel rewards (Blue Business Plus)
  • Have opened more than 5 new credit cards in the last 24 months

Remember that you will need to decide between earning cash or travel rewards before you apply.

The Chase Ink Cash Wins When…

  • Most of your spending is in the 5% and 2% bonus categories
  • Want to earn Chase Ultimate Rewards
  • Like the flexibility of redeeming points for cash or travel rewards
  • Can earn the $500 signup bonus

Each points is worth 1 cent each when redeemed for cash or travel rewards.


Both the Amex Blue Business and Chase Ink Cash can help you earn bonus points on your daily spending. Because they are a no annual fee cards, they can be a perfect primary or secondary credit card depending on what else is in your wallet.

Learn more:

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

For rates and fees of the American Express® Blue Business Cash Card, please click here.

Josh Patoka

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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