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Card vs Card Comparison

Amex Blue Business Plus
vs
Chase Ink Business Preferred.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Blue Business Plus

Annual fee

Free

Points

Membership Rewards

Signup bonus

15K points after $3K in 3 months

Top earning rates

  • →2x on every business purchase up to $50K per year
  • →1x after the $50K cap
  • →Points pool with personal Membership Rewards cards

Top perks

  • →No annual fee
  • →Extended warranty and purchase protection
  • →Expanded buying power with no preset spending limit
See Amex Blue Business Plus detailsarrow_forward

Chase

Chase Ink Business Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

Currently around 100K to 120K points after spend, see issuer for the current offer

Top earning rates

  • →3x on travel, shipping, internet, cable, phone, and online advertising (up to $150K per year)
  • →1x on everything else
  • →Points transfer to Chase partners including Hyatt and United

Top perks

  • →Cell phone protection up to $1,000 per claim
  • →Primary rental car coverage when renting for business
  • →Trip cancellation and delay insurance
See Chase Ink Business Preferred detailsarrow_forward

The verdict

When each card wins.

Amex Blue Business Plus wins if

Pick this if you want a no-fee 2x everywhere card and already have a premium Amex to pool points with.

Honest downside: On its own the points are worth about 1 cent each. Real value unlocks when paired with a Platinum or Gold.

Chase Ink Business Preferred wins if

Pick this if you run a business with regular ad spend, shipping, or office utility bills. The 100K signup bonus is one of the best in the game.

Honest downside: 1x baseline outside the bonus categories is weak for general spending.

At a glance

Side-by-side spec sheet.

SpecAmex Blue Business PlusChase Ink Business Preferred
Annual feeFree$95
Points currencyMembership RewardsUltimate Rewards
Signup bonus15K pointsCurrently around 100K to 120K points
Top earn category2x on every business purchase up to $50K per year3x on travel, shipping, internet, cable, phone, and online advertising (up to $150K per year)
Second earn category1x after the $50K cap1x on everything else
Third earn categoryPoints pool with personal Membership Rewards cardsPoints transfer to Chase partners including Hyatt and United
Signature perkNo annual feeCell phone protection up to $1,000 per claim
IssuerAmerican ExpressChase

Questions

Frequently asked.

Which is better, Amex Blue Business Plus or Chase Ink Business Preferred?

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Amex Blue Business Plus wins if you want a no-fee 2x everywhere card and already have a premium Amex to pool points with. Chase Ink Business Preferred wins if you run a business with regular ad spend, shipping, or office utility bills. The 100K signup bonus is one of the best in the game.

Can I have both the Amex Blue Business Plus and the Chase Ink Business Preferred?

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Yes. These are issued by different banks (American Express and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Amex Blue Business Plus or Chase Ink Business Preferred?

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Chase Ink Business Preferred has the higher annual fee at $95, compared to $0 for Amex Blue Business Plus. Whether the pricier card is worth the difference depends on which credits and perks you use each year.