Blue Business Plus Credit Card from American Express vs Ink Business Cash® Credit Card
Both cards cost $0/yr. The Blue Business Plus Credit Card from American Express leads on everyday spending; the Ink Business Cash® Credit Card on office supplies.
Card data as of November 13, 2026.
Blue Business Plus Credit Card from American ExpressAmerican Express · No annual fee
Ink Business Cash® Credit CardChase · No annual fee
Overview
- Annual fee
- Blue Business Plus Credit Card from American Express$0Ink Business Cash® Credit Card$0
- Welcome offerCurrent public offer
- Blue Business Plus Credit Card from American ExpressAs high as 50,000 points — offers varyInk Business Cash® Credit Card75,000 points
- Rewards
- Blue Business Plus Credit Card from American ExpressAmerican Express Membership RewardsInk Business Cash® Credit CardCash back
- Foreign transaction fee
- Blue Business Plus Credit Card from American Express2.7%LowestInk Business Cash® Credit Card3%
- Network
- Blue Business Plus Credit Card from American ExpressAmerican ExpressInk Business Cash® Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Blue Business Plus Credit Card from American Express1xInk Business Cash® Credit Card5%
- Office Supplies
- Blue Business Plus Credit Card from American Express1xInk Business Cash® Credit Card5%
- Telecom
- Blue Business Plus Credit Card from American Express1xInk Business Cash® Credit Card5%
- Dining
- Blue Business Plus Credit Card from American Express1xInk Business Cash® Credit Card2%
- Gas Stations
- Blue Business Plus Credit Card from American Express1xInk Business Cash® Credit Card2%
- Everything else
- Blue Business Plus Credit Card from American Express1xInk Business Cash® Credit Card1%
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Blue Business Plus Credit Card from American Express—Ink Business Cash® Credit Card
- $20/mo Instacart+
Perks & access— means none on record
- Other perks
- Blue Business Plus Credit Card from American Express
- Amex Offers
- Up to 99 free employee cards
- Spend above your credit limit when needed
- Early access to concerts and events
- 24/7 global travel assistance
Ink Business Cash® Credit Card- Roadside Assistance
Protections & insuranceLimits where published · — means none on record
- Rental car
- Blue Business Plus Credit Card from American Express
- Up to $50,000 car rental damage coverage
Ink Business Cash® Credit Card- Auto Rental Coverage · up to $60,000
- Purchase & returns
- Blue Business Plus Credit Card from American Express
- Up to $1,000 per item against damage or theft
Ink Business Cash® Credit Card- Purchase Protection · up to $10,000
- Extended warranty
- Blue Business Plus Credit Card from American Express
- Extended warranty adds up to 1 year
Ink Business Cash® Credit Card- Extended Warranty Protection
- Other protections
- Blue Business Plus Credit Card from American Express
- Zero liability protection on fraudulent charges
Ink Business Cash® Credit Card- Travel and Emergency Assistance Services
Pros & cons
- Pros
- Blue Business Plus Credit Card from American Express
- No annual fee for Membership Rewards earning card
- 2X points on all purchases up to $50,000/year
- Up to 99 free employee cards
- Transfer points 1:1 to airline and hotel partners
- Simple earning structure with no category activation
Ink Business Cash® Credit Card- 5% cash back on office supplies, internet, cable, and phone up to $25K/year
- 2% cash back on gas stations and restaurants up to $25K/year
- $750 welcome bonus after $6,000 spend in the first 3 months
- $0 annual fee with no ongoing cost to maintain
- Points convert to Ultimate Rewards when paired with Sapphire or Ink Preferred
- Cons
- Blue Business Plus Credit Card from American Express
- Earnings drop to 1X after $50,000 annual spend
- 2.7% foreign transaction fee limits international use
- Amex network acceptance more limited than Visa/Mastercard
- Lower welcome bonus compared to premium Amex business cards
- No travel credits or statement benefits
Ink Business Cash® Credit Card- $25,000 annual cap on 5% and 2% categories before falling to 1%
- Only 1% cash back on non-bonus spending
- Cannot transfer points directly - requires pairing with premium Chase card
- Limited travel protections compared to premium business cards
- Gas and restaurant bonus is only 2% compared to other cards offering 3-4%
Category-by-Category Winner
No unconditional category winner — 5 categories depend on how you earn.
Office Supplies
Depends: up to $25,000/yr
Ink Business Cash® Credit Card earns 5X when conditions are met; Blue Business Plus Credit Card from American Express earns 1X (1X without restrictions)
Telecom
Depends: up to $25,000/yr
Ink Business Cash® Credit Card earns 5X when conditions are met; Blue Business Plus Credit Card from American Express earns 1X (1X without restrictions)
Cable TV
Depends: up to $25,000/yr
Ink Business Cash® Credit Card earns 5X when conditions are met; Blue Business Plus Credit Card from American Express earns 1X (1X without restrictions)
Gas Stations
Depends: up to $25,000/yr
Ink Business Cash® Credit Card earns 2X when conditions are met; Blue Business Plus Credit Card from American Express earns 1X (1X without restrictions)
Dining
Depends: up to $25,000/yr
Ink Business Cash® Credit Card earns 2X when conditions are met; Blue Business Plus Credit Card from American Express earns 1X (1X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Ink Business Cash® Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Blue Business Plus Credit Card from American Express | Ink Business Cash® Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $180 | Rewards: $216 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $231 Year one: $1,581 | Ink Business Cash® Credit Card | Ink Business Cash® Credit Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $720 | Rewards: $864 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $879 Year one: $2,229 | Ink Business Cash® Credit Card | Ink Business Cash® Credit Card |
Which Card Is Right for You?
Get the Ink Business Cash® Credit Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Both scenarios favor the Ink Business Cash® Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Blue Business Plus Credit Card from American Express or Ink Business Cash® Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Blue Business Plus Credit Card from American Express or the Ink Business Cash® Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.