American Express Blue Business Cash vs Chase Ink Business Unlimited Card 2023

investor.com

Written by investor.com

In head-to-head competition, which of these rewards credit cards wins out? Here’s what each has to offer and how they fare when put to the ultimate test — the cash back you’ll earn for using them.

American Express Blue Business Cash
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Offers 0% introductory APR on purchases for 12 months from the date of account opening, with a variable APR after that. Welcome bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your card in the first three months.

Chase Ink Business Unlimited Card
Earn unlimited 1.5% cash back rewards on every purchase. 0% intro APR for 12 months from account opening on purchases. New cardmember offer: $750 bonus cash back after you spend $6,000 on purchases in the first three months after account opening.

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dining Dining
local_gas_station Gas
monetization_on Other
card_travel Travel
phone_iphone Cell Phones
print Office Supplies

American Express Blue Business Cash

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American Express Blue Business Cash Logo
Cash Back Per Year
$...
Annual Fee
$0
Welcome Bonus
$250
Apply Now on American Express' secure website

Chase Ink Business Unlimited Card

Read review
Chase Ink Business Unlimited Card Logo
Cash Back Per Year
$...
Annual Fee
$0
Welcome Bonus
$750
Apply Now on Chase's secure website
Want to compare more cards? Use our full calculator.

Which credit card earns more cashback overall?

Based on identical spending inputs, you’ll earn $510.84 cashback per year with American Express Blue Business Cash and $464.40 with Chase Ink Business Unlimited Card. For context, the average annual rewards payout from the business rewards credit cards in the investor.com database is $181.73.

The annual rewards payout assumes you charge $2,580 each month spread across the following spending categories: Cell Phones ($516), Dining ($516), Gas ($258), Office Supplies ($387), Travel ($387), and Other ($516). The dollar amounts for each category are based on average small-business spending data (how much business spend proportionally in each category) from the U.S. Bureau of Labor Statistics and other sources. We encourage you to use our business card rewards calculator to customize the amounts based on your business’s actual spending patterns.

To ensure the most accurate results possible, the rewards calculations for American Express Blue Business Cash and Chase Ink Business Unlimited Card incorporate bonus rewards rates, spending caps, default rewards rates and annual fees, where applicable.

Is the American Express Blue Business Cash good?

Amex is the classic car of business credit cards. This newer addition to the fleet, with its straightforward 2% cashback setup and $0 annual fee, is a reliable starter card for small business owners who need some cash flow flexibility.

thumb_up Likes

  • 2% cashback on eligible purchases (basically everything)
  • Rewards automatically applied as statement credit
  • Flexible spending limit
  • Up to $500 welcome bonus up for grabs
  • 0% APR on purchases for first 12 months
  • Plays nice with QuickBooks
  • $0 annual fee
  • Access to Amex travel perks/protections

thumb_down Dislikes

  • 2% cashback rate capped after $50,000 in spending each year
  • A lowly 1% base rewards rate applies after you hit the annual spending cap
  • High $15,000 spending requirement to earn full sign-up bonus
  • Only one cashback redemption option (statement credit)
  • 2.7% foreign transaction fee


Category Default Rate Bonus Rate Bonus Spend Cap Bonus Spend Period (Months)
Cell Phone 1.00% 2.00% $50,000 12
Dining 1.00% 2.00% $50,000 12
Gas 1.00% 2.00% $50,000 12
Travel 1.00% 2.00% $50,000 12
Office Supplies 1.00% 2.00% $50,000 12
Other Purchases 1.00% 2.00% $50,000 12

Is the Chase Ink Business Unlimited Card good?

Chase Ultimate Rewards fans rejoice! Here’s the small-biz version of your consumer card, but with flat-rate, spending-cap-free rewards and a chonky $750 sign-up bonus. Plus you can combine points earned with a consumer card to boost your Chase Ultimate Rewards redemption options.

thumb_up Likes

  • Hassle-free, flat-rate rewards on all purchases
  • $750 sign-up bonus
  • 0% APR on purchases for 12 months
  • Multiple redemption options
  • Lets you combine points with other Chase Ultimate Rewards-earning cards
  • $0 annual fee
  • Pays out referral bonuses

thumb_down Dislikes

  • 1.5% rewards rate is it. No higher rewards tiers offered 🥲
  • No balance transfer deal
  • High balance transfer and cash advance fees
  • 3% foreign transaction fee
  • Fewer benefits than some other Chase cards


Category Default Rate Bonus Rate Bonus Spend Cap Bonus Spend Period (Months)
Cell Phone 1.50% - - -
Dining 1.50% - - -
Gas 1.50% - - -
Travel 1.50% - - -
Office Supplies 1.50% - - -
Other Purchases 1.50% - - -

sports_kabaddi Credit card cage match

Compare all the credit cards in our database head to head to see which offers the most bang for your buck.

Select Credit Cards

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  • check_box_outline_blankcheck_boxAmazon Business American Express Card
  • check_box_outline_blankcheck_boxAmazon Business Prime American Express Card
  • check_box_outline_blankcheck_boxAmerican Express Blue Business Cash
  • check_box_outline_blankcheck_boxAmerican Express Plum Card
  • check_box_outline_blankcheck_boxBank of America Business Advantage Customized Cash Rewards
  • check_box_outline_blankcheck_boxBank of America Business Advantage Unlimited Cash Rewards
  • check_box_outline_blankcheck_boxCapital on Tap Business Credit Card
  • check_box_outline_blankcheck_boxCapital One Spark 1.5% Cash Select
  • check_box_outline_blankcheck_boxCapital One Spark 1.5% Cash Select for Good Credit
  • check_box_outline_blankcheck_boxCapital One Spark 1% Classic for Business
  • check_box_outline_blankcheck_boxCapital One Spark 2% Cash Plus
  • check_box_outline_blankcheck_boxChase Ink Business Cash Card
  • check_box_outline_blankcheck_boxChase Ink Business Unlimited Card
  • check_box_outline_blankcheck_boxCostco Anywhere Visa Business Card by Citi
  • check_box_outline_blankcheck_boxTD Business Solutions Credit Card
  • check_box_outline_blankcheck_boxTruist Business Cash Rewards Credit Card
  • check_box_outline_blankcheck_boxU.S. Bank Business Leverage Visa Signature Card
  • check_box_outline_blankcheck_boxU.S. Bank Triple Cash Rewards Visa Business Card

Compare

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Methodology

The results of the investor.com Credit Card Business Rewards Calculator are based on the monthly spending amounts you enter and the annual dollar value of the rewards each credit card program pays per $1 spent. Credit card companies often express this payout amount as a percentage (e.g., 1.5% of every dollar spent) or on a points basis (e.g. ,1.5 points for every dollar spent). We converted all of them to a dollar amount (“Cash Back Per Year”) to make comparing offers easier.

To calculate the amount of cash back you could earn per year, we factored in:

  • Tiered rewards rates: Some business cards pay a flat cashback rate on all purchases. Others pay higher cashback rates on purchases that fall under specific spending categories. The investor.com algorithm incorporates each issuer’s unique reward’s program to determine the “Cash Back Per Year” tally.
  • Spend category inputs: Based on the rewards cards in our database, cell phones, dining, gas, office supplies, travel and "other" are the categories most often used by business credit cards that feature tiered rewards programs. We encourage you to customize the monthly spend inputs for the most accurate results.
  • Monthly spend: The default dollar amounts for each spend category in the Business Credit Card Calculator are based on average small-business spending data from the U.S. Bureau of Labor Statistics and other sources. Click the arrow on the “Spend Categories” to customize the monthly spend inputs and find the business card with the highest payout rate for your small-business spending.
  • Rewards spending caps: Some cards impose category- or time-based limits (monthly, quarterly, annually) that affect the amount of rewards you can earn. For example, a card may pay 3% cash back on office supplies on up to $1,000 of spending each quarter, then revert to the base/default rewards rate until the following quarter. We accounted for bonus spending caps and timeframe in the calculations.
  • Default rewards rates: Purchases that exceed a spending cap are usually subject to a lower default rewards rate (e.g., 1% or 1.5%). We mathed that out too.
  • Annual fees: If a rewards card charges an annual fee, we deducted that amount from the “Cash Back Per Year” total to provide a true accounting of a card’s annual rewards payout.

What’s not included in the “Cash Back Per Year” total is the cash value of any sign-up/introductory bonus. We highlight any Welcome Bonus separately. While sign-up bonuses can be the most lucrative part of getting a new cashback rewards credit card, not everyone will want or be able to do what it takes to earn the extra cash. (It usually requires spending a certain amount in a specified time period after the card is activated.)

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