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Amex Blue Business Plus vs Chase Ink Business Unlimited

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 Unlimited leads by None pts. Scores: Amex Blue Business Plus 73.9%, Chase Ink Business Unlimited 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 Unlimited nets $346/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

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

Amex Blue Business Plus

IssuerAmerican Express
Typebusiness
Annual fee$0 americanexpress.com, 2026-10-12
Regular purchase APR16.99%–28.74% variable americanexpress.com, 2026-10-12
Rewards2% base americanexpress.com, 2026-10-12
Sign-up bonus (≈$)not found americanexpress.com, 2026-10-12
Intro APR12 months 0% intro APR on purchases for 12 months americanexpress.com, 2026-10-12
Foreign transaction feenot found americanexpress.com, 2026-10-12
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needednot found americanexpress.com, 2026-10-12
Grace periodnot found
Cash advance APRnot found

Chase Ink Business Unlimited

IssuerChase
Typebusiness
Annual fee$0 creditcards.chase.com, 2026-10-12
Regular purchase APR16.99%–24.99% variable creditcards.chase.com, 2026-10-12
Rewards1.5% base creditcards.chase.com, 2026-10-12
Sign-up bonus (≈$)$750 $750 cash back (see issuer for spend requirement) creditcards.chase.com, 2026-10-12
Intro APR12 months 0% intro APR for 12 months on purchases creditcards.chase.com, 2026-10-12
Foreign transaction feenot found creditcards.chase.com, 2026-10-12
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needednot found creditcards.chase.com, 2026-10-12
Grace periodnot found
Cash advance APRnot found

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 Unlimited80.0%
Chase · business
Annual fee $0APR 16.99%–24.99% variableRewards 1.5% baseCredit not found

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 Unlimited?

On VaultRubric's rubric: Chase Ink Business Unlimited 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.