Blue Cash Preferred Card from American Express vs. Ink Business Unlimited Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Blue Cash Preferred Card from American Express
Amex
Ink Business Unlimited Credit Card
Chase
Blue Cash Preferred Card from American Express and Ink Business Unlimited Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Blue Cash Preferred Card from American Express wins on earning ceiling and foreign transactions; Ink Business Unlimited Credit Card wins on first-year math and annual fee.
Pick the Ink Business Unlimited Credit Card if year-one math is your priority; take the Ink Business Unlimited Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Ink Business Unlimited Credit Card
Ink Business Unlimited Credit Card wins on bonus value minus annual fee.
- Annual fee Ink Business Unlimited Credit Card
Ink Business Unlimited Credit Card is $95 cheaper to keep.
- Earning ceiling Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express earns more on its best category (6× vs 5×).
- Foreign transactions Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $95
- Free
- Welcome offer (typical value)
- $300
- $750
- First-year net
- +$205
- +$750
- Peak earning rate
- 6×
- 5×
- Top categories
- U.S. Supermarkets, Streaming, Transit
- Lyft
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 2.70%
- 3.00%
- Reward currency
- Cashback
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.