Edited by: Nick Ellis
& Kellie Jez
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If you’re a business owner focusing on maximizing your cash-back rewards, your credit card strategy will look very different from someone looking to book luxury award travel with points.
Today, we’ll zero in on the universe of cash-back business credit cards, specifically 2 of the best options in the space: the Ink Business Premier℠ Credit Card and The American Express Blue Business Cash™ Card.
Although these cards inherently appeal to different customer bases within the larger business owner segment, we’ll put both of these cards to the test to determine which is best for you — let’s get right to it!
For the right customer, the Ink Business Premier card and Amex Blue Business Cash card offer industry-leading cash-back rewards.
Here’s a brief look at what makes each card attractive:
|Benefit||Ink Business Premier℠ Credit Card||The American Express Blue Business Cash™ Card|
|Welcome Offer||Earn $1,000 cash-back after you spend $10,000 on purchases in the first 3 months.||Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.|
|Airline Program Benefits||None||None|
|Travel Benefits and Protections||
|Shopping Benefits and Protections||
|Annual Fees||$195||$0 (rates & fees)|
Even though the Ink Business Premier card has a higher price tag, you’ll notice that the rewards and benefits are, without a doubt, superior to the Amex Blue Business Cash card.
Each card’s benefits section will contain the exact details and terms and conditions of each benefit.
A great way to justify the cost of adding another card is to apply for it when an attractive introductory welcome bonus is offered.
In many cases, the welcome offer alone could pay for many years of the annual fee, which will put you ahead if you did nothing else besides earning the welcome bonus and being approved for the card. Let’s take a look at the currently available bonuses available on each card:
Ink Business Premier Card
Earn up to 5% cash-back for your business without complex bonus earning categories!
Chase has introduced the Ink Business Premier℠ Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.
Amex Blue Business Cash Card
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.
This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.
Keep in mind that part of the value of the Amex Blue Business Cash card is the introductory 0% APR promotion as detailed in the table above. This allows you to carry a balance without incurring interest payments for the introductory period, as long as you make your minimum payment.
Both of these cards earn rewards in the form of cash-back.
Rewards earned on the Ink Business Premier card can’t be transferred to airline partners or used in any other way to provide outsized value in the same way Chase Ultimate Rewards points can.
Similarly, the Amex Blue Business Cash card earns cash-back, not Amex Membership Rewards points.
Now, let’s examine the earning potential associated with each card.
|Earning Category||Ink Business Premier Card||Amex Blue Business Cash Card|
|Travel Purchased Through Chase Ultimate Rewards||5% cash-back||N/A|
|Purchases of $5,000 or more||2.5% cash-back||2% cash-back, up to the first $50,000 in purchases per calendar year (1% thereafter)|
|Other purchases||2% cash-back|
As you can see, the Ink Business Premier card outperforms or matches the earning potential of the Amex Blue Business Cash card in every instance.
The Ink Business Premier card will earn a minimum of 2% cash-back, while the Amex Blue Business Cash card only earns 2% cash-back on the first $50,000 in purchases every calendar year. After that, it falls to 1% cash-back.
Even better, the Ink Business Premier card earns 5% cash-back on Chase travel purchases, as well as 2.5% cash-back on large purchases of $5,000 or more.
Finally, there are no caps on rewards and cash-back from the Ink Business Premier card.
Let’s start off with the Amex Blue Business Cash card. With this card, you don’t need to worry about redeeming any rewards because any cash-back accumulated in a given month will automatically be applied as a statement credit at the end of the billing cycle.
In contrast, the Ink Business Premier card accumulates rewards over time, and you can choose when and how to redeem your cash-back.
Right now, you can redeem cash-back earned on the Ink Business Premier card in several ways, including:
The most flexible way to use your rewards will be in the form of statement credits or cash-back. Whatever the case, you’ll still get a fixed value from your cash-back.
Let’s walk through the different travel benefits and protections offered on both the Ink Business Premier card and the Amex Blue Business Cash card. You’ll notice the 2 cards vary significantly in this arena.
The car rental insurance offered on the Ink Business Premier card is primary when renting for business or outside of the U.S. and secondary for personal rentals in the U.S. Primary is the best type of coverage available because you don’t need to file a claim with your primary insurance first before being eligible for reimbursement.
On the other hand, the car rental insurance offered by the Amex Blue Business Cash card is secondary, which means it’ll only cover you after you’ve filed a claim with your primary insurance provider.
Whether you have primary or secondary insurance, you can activate your coverage by declining the loss damage waiver/collision damage waiver (LDW/CDW) and paying for your rental car reservation using your card.
The Ink Business Premier card offers trip interruption and cancellation insurance, which covers you in the event that illness, severe weather, or injuries cause you to have your trip interrupted or canceled. You could receive up to $5,000 per trip in reimbursements from this benefit.
The Amex Blue Business Cash card does not offer any sort of trip cancellation or interruption insurance.
Currently, the Ink Business Premier card offers trip delay reimbursement, which will come in handy if your common carrier trip is delayed by more than 12 hours or requires an overnight stay.
You can get covered for up to $500 per ticket for reasonable expenses on a 1-time basis if your covered trip is delayed by a covered reason.
The Amex Blue Business Cash card doesn’t offer trip delay reimbursement.
Everyone dreads getting off a plane only to find that their luggage isn’t where it’s supposed to be.
If your baggage is delayed by more than 6 hours on a covered trip, your Ink Business Premier card can get you up to $100 per day for a maximum of 5 days for emergency purchases of essential items.
The Amex Blue Business Cash card does not offer any baggage delay insurance.
The only thing worse than having delayed bags is having bags lost altogether.
With lost luggage reimbursement, you can use your Ink Business Premier card to receive up to $3,000 per person for a covered trip — there’s also a $500 sub-limit for jewelry, watches, cameras, video recorders, and other electronic equipment.
The Amex Blue Business Cash card doesn’t offer lost luggage reimbursement.
In the event that a fatality or severe injury occurs, travel accident insurance will reimburse you or your family — the Ink Business Premier card offers up to $500,000.
The Amex Blue Business Cash card doesn’t offer travel accident insurance.
The Ink Business Premier card has a benefit known as Roadside Dispatch that will help you access limited roadside assistance for a pre-negotiated rate of $69.95 per service call.
This benefit covers:
The Amex Blue Business Cash card doesn’t offer any roadside assistance benefit.
If you’re traveling abroad and suddenly encounter an urgent situation in which you need medical, legal, or logistics assistance, you can use the travel and emergency assistance services offered by your card.
The Amex Blue Business Cash card offers this through its Global Assist Hotline.
In general, you, your spouse, and your dependent children under 22 years old are eligible for these services:
These benefits are available 24/7, 365 days per year, but keep in mind that you’re responsible for the cost of any services used, as this is a referral service to lead you to the help you need.
Let’s take a look at what each of our cards offers in the way of shopping benefits and protections.
Both cards offer insurance in the event that an item you purchased is damaged or stolen within a specific timeline after making that purchase.
With the Ink Business Premier card, you’ll be eligible for purchase protection of up to $10,000 per claim and up to $50,000 per calendar year. The theft, damage, or involuntary and accidental property with the property must occur within 120 days from the date of purchase.
Meanwhile, the Amex Blue Business Cash card gets you up to $1,000 per claim and up to $50,000 per calendar year for covered incidents that occur within 90 days from the date of purchase.
If you purchase an item and you’re concerned it might become defective, extended warranty coverage could protect you. Currently, the Ink Business Premier card adds 1 additional year on eligible warranties of 3 years or less. This coverage reimburses up to $10,000 per claim and up to $50,000 per year.
The Amex Blue Business Cash card adds 1 additional year on eligible warranties of 5 years or less and reimburses up to $10,000 per claim and up to $50,000 per year.
The Ink Business Premier card is one of the few business cards with cell phone protection coverage. If you pay your monthly cellular bill using this card, you can access cell phone insurance.
In total, you can get up to $1,000 in reimbursements per claim with a $100 deductible for each claim. You can have up to 3 claims for every rolling 12-month period.
The Amex Blue Business Cash card does not offer cell phone protection.
The Ink Business Premier card is the only Chase card that has no preset spending limit. This means it doesn’t have a traditional credit limit — instead, your spending power adjusts depending on your payment history, purchasing habits, and other information that Chase may have to determine your spending limit.
You cannot typically carry a balance with this card. However, the Ink Business Premier card also offers a benefit called Flex for Business, which allows you to use a portion of your credit limit for qualifying purchases to carry balances over time with interest.
The Amex Blue Business Cash card has a credit limit. Still, it has a benefit called Expanded Buying Power, which can help you spend beyond your credit limit to get business done in the event that Amex approves your purchase.
The Ink Business Premier card has no foreign transaction fees, while the Amex Blue Business Cash card has a foreign transaction fee of 2.7% of each transaction after conversion to U.S. dollars (rates & fees).
Finally, let’s run through each card’s annual fee and the cost of adding authorized users.
The Ink Business Premier card has a $195 annual fee, while the Amex Blue Business Cash card has no annual fee.
There are no additional annual fees for adding employee cards to the Ink Business Premier card or the Amex Blue Business Cash card (rates & fees).
All in all, the Amex Blue Business Cash card is a surprisingly bare-bones credit card. If you’re absolutely insistent on not paying annual fees and focusing on simple cash-back for your small business, the Amex Blue Business Cash card might be a good bet, especially if your annual business spending is less than $50,000.
But if you’re looking for outsized cash-back rewards, travel protection and insurance, or the ability to make large purchases, the Ink Business Premier card will be the best option for you. That’s because you earn a minimum of 2% cash-back and up to 5% cash-back with this card. You won’t have a credit limit hindering your ability to make large business purchases. You’ll also enjoy cell phone protection, roadside dispatch, no foreign transaction fees, and much more.
For the car rental loss and damage insurance of The American Express Blue Business Cash™ Card, coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For the global assist hotline benefit of The American Express Blue Business Cash™ Card, cardholders can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
For the purchase protection benefit of The American Express Blue Business Cash™ Card, when an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the extended warranty benefit of The American Express Blue Business Cash™ Card, when an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For rates and fees of The American Express Blue Business Cash™ Card, click here.
Chase recently unveiled the Ink Business Premier card, which is a new business card without a preset spending limit. It earns at least 2% cash-back on all purchases and up to 5% cash-back on select purchases.
Yes, the Ink Business Premier card is made of metal.
The Ink Business Premier card is a new Chase card that is focused on earning cash-back for business owners. This card is also one of the few cards with no preset spending limit, so it’s advantageous for high-spending business owners who want to earn cash-back.
If you’re a business owner who spends a lot of money on your credit cards, wants the best cash-back rewards, and needs travel protections and insurance from time to time, the Ink Business Premier card is the best choice for you.
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