Chase Ink Business Unlimited vs American Express Blue Business Cash Business Credit Card Comparison
Updated August 6, 2026 · Representative rates from current offers
Monthly spend
Model your real wallet
Total: $1,550/mo
Chase Chase Ink Business Unlimited Best value | American Express The American Express Blue Business Cash | |
|---|---|---|
| Net annual value | +$522/yr | +$335/yr |
| Annual fee | $0 — no annual fee | $0 — no annual fee |
| Rewards rate | Varies by category | Varies by category |
| Sign-up bonus | $1,000 | $250 |
| 0% intro APR | 1000 months | 12 months |
| Regular APR | 18.24% | 16.74% |
| Credit tier | 700+ score | 670+ score |
| Best for | Small business owners wanting simple, flat-rate cash back with zero annual cost. | Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. |
See offer → You'll leave SwitchWize. Verify terms with the issuer. | See offer → You'll leave SwitchWize. Verify terms with the issuer. |
Net annual value
+$522/yr
- Annual fee
- $0 — no annual fee
- Rewards rate
- Varies by category
- Sign-up bonus
- $1,000
- 0% intro APR
- 1000 months
- Regular APR
- 18.24%
- Credit tier
- 700+ score
- Best for
- Small business owners wanting simple, flat-rate cash back with zero annual cost.
You'll leave SwitchWize. Verify terms with the issuer.
Net annual value
+$335/yr
- Annual fee
- $0 — no annual fee
- Rewards rate
- Varies by category
- Sign-up bonus
- $250
- 0% intro APR
- 12 months
- Regular APR
- 16.74%
- Credit tier
- 670+ score
- Best for
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
You'll leave SwitchWize. Verify terms with the issuer.
Net annual value = (monthly spend × rewards rate × 12) + sign-up bonus ÷ 3 years − annual fee. Estimates only — actual value varies by spend and redemption. Full rewards calculator →
How to read this comparison
These are representative current offers, not a personalized quote. Your actual APR depends on your credit profile. Confirm the current terms on each provider’s site before applying.
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FAQ
Is Chase Ink Business Unlimited or American Express Blue Business Cash better?
It depends on your spending. Compare the annual fee, rewards rate, and sign-up bonus in the table above, then model your real spend to see which card earns more.
Are these business credit card rates personalized to me?
No. The rates shown are representative of current offers and will vary with your credit score, and creditworthiness. Always get a personalized quote before applying.
Can I apply to both?
You can, but multiple card applications in a short window can lower your score. Prequalify where possible and apply to your top choice.