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Card vs Card Comparison

Amex Blue Business Plus
vs
Chase Ink Business Unlimited.

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 Unlimited

Annual fee

Free

Points

Ultimate Rewards (with Sapphire pairing)

Signup bonus

$900 cash back after $6K in 3 months

Top earning rates

  • →1.5x flat on every business purchase
  • →Pairs with Sapphire Preferred or Reserve to unlock Chase transfer partners

Top perks

  • →$0 annual fee forever
  • →Primary rental car coverage on business rentals
  • →Purchase protection and extended warranty
See Chase Ink Business Unlimited 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 Unlimited wins if

Pick this if you want a flat-rate business cashback card with no fee, or to pair with a Chase Sapphire to convert cashback into Hyatt and United points.

Honest downside: On its own, it earns only cashback. Real value unlocks only when paired with a Sapphire card.

At a glance

Side-by-side spec sheet.

SpecAmex Blue Business PlusChase Ink Business Unlimited
Annual feeFreeFree
Points currencyMembership RewardsUltimate Rewards (with Sapphire pairing)
Signup bonus15K points$900 cash back
Top earn category2x on every business purchase up to $50K per year1.5x flat on every business purchase
Second earn category1x after the $50K capPairs with Sapphire Preferred or Reserve to unlock Chase transfer partners
Third earn categoryPoints pool with personal Membership Rewards cardsStandard 1x earn
Signature perkNo annual fee$0 annual fee forever
IssuerAmerican ExpressChase

Questions

Frequently asked.

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

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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 Unlimited wins if you want a flat-rate business cashback card with no fee, or to pair with a Chase Sapphire to convert cashback into Hyatt and United points.

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

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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 Unlimited?

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Both cards charge a $0 annual fee. The right pick comes down to which earning categories and perks you'll actually use.