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Amex Blue Business Plus vs Chase Ink Business Cash

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Chase Ink Business Cash leads by None pts. Scores: Amex Blue Business Plus 73.9%, Chase Ink Business Cash 80.0%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Amex Blue Business Plus nets $461/yr, Chase Ink Business Cash nets $356/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feePlus: 10.0 · Cash: 10.0
• Rewards ratePlus: 8.0 · Cash: 6.0
• Sign-up bonusPlus: n/a · Cash: 10
• Intro 0% APRPlus: 5.7 · Cash: 5.7
• Regular APRPlus: 8.0 · Cash: 9.3
• Foreign transaction feePlus: n/a · Cash: n/a
• Regulatory record (CFPB)Plus: 10.0 · Cash: 10.0

Downsides

• Amex Blue Business Plus73.9%
  American Express · business · limited data
  Annual fee $0APR 16.99%–28.74% variableRewards 2% baseCredit not found

  ⚠ APR up to 28.74% if you carry a balance · 2X Membership Rewards on the first $50,000 of purchases per calendar year, then 1X (cap not modeled).

• Chase Ink Business Cash80.0%
  Chase · business
  Annual fee $0APR 16.99%–24.99% variableRewards 1% base; 5% utilities (to $25,000/yr); 2% dining (to $25,000/yr); 2% gas (to $25,000/yr)Credit not found

  ⚠ 5% on office supply + internet/cable/phone (combined $25k/yr); 2% gas+restaurants combined $25k/yr.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

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

On VaultRubric's rubric: Chase Ink Business Cash scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.