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Chase Ink Business Cash vs Amex Blue Business Plus

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: Chase Ink Business Cash 80.0%, Amex Blue Business Plus 73.9%.

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

Criterion scores (0–10)

• Annual feeCash: 10.0 · Plus: 10.0
• Rewards rateCash: 6.0 · Plus: 8.0
• Sign-up bonusCash: 10 · Plus: n/a
• Intro 0% APRCash: 5.7 · Plus: 5.7
• Regular APRCash: 9.3 · Plus: 8.0
• Foreign transaction feeCash: n/a · Plus: n/a
• Regulatory record (CFPB)Cash: 10.0 · Plus: 10.0

Downsides

• 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.

• 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).

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, Chase Ink Business Cash or Amex Blue Business Plus?

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.