Why Compare These Cards
If you own a business or work as a freelancer and regularly spend on office supplies, internet, advertising, or travel, choosing the right business card can save you thousands of dollars a year. Both cards — Ink Business Cash from Chase and Blue Business Cash from Amex — have no annual fee and offer cashback, but their terms differ significantly.
Step 1: Compare Bonus Categories
Ink Business Cash earns 5% cashback on the first $25,000 spent per year in categories: office supplies, internet, cable, and phone services. It also earns 2% on the first $25,000 at gas stations and restaurants. All other purchases earn 1%.
Amex Blue Business Cash gives 2% on all purchases up to $50,000 per year, then 1%. No categories — simple and predictable.
Step 2: Evaluate Welcome Bonuses
Ink Business Cash often offers a generous welcome bonus: for example, $750 after spending $6,000 in the first 3 months. Amex Blue Business Cash typically gives $250 after spending $3,000 in the first 3 months. If you can meet the requirements, Ink is more lucrative.
Step 3: Consider Other Benefits
Ink Business Cash has no foreign transaction fees — important if you pay for international services. It also allows adding employees and managing limits. Amex Blue Business Cash charges 2.7% for transactions in currencies other than USD, which can be a drawback for international payments.
Step 4: Analyze Which Card Suits You
- If your spending is concentrated in the 5% categories (office, internet, phone), Ink Business Cash pays off faster.
- If you spend evenly on everything and want a simple 2% cashback without tracking categories, Amex Blue Business Cash is your choice.
- For those who frequently pay abroad, Ink is clearly more convenient due to no foreign fees.
FAQ
Can I use these cards for international subscriptions?
Yes, both cards work for international payments, but Ink is more cost-effective due to no foreign transaction fees.
Which card is better for a small business with low turnover?
Amex Blue Business Cash is simpler: 2% on everything without category restrictions, and the $50,000 annual threshold is usually sufficient.
Are there hidden fees?
Both cards have no annual fee, but Amex has a foreign transaction fee. Read the terms carefully.
Conclusion
The choice depends on your spending structure. If you want to maximize cashback in specific categories and frequently pay abroad — choose Ink Business Cash. If you prefer simplicity and even cashback — choose Amex Blue Business Cash. Analyze your expenses and pick the one that benefits you most.
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