American Express Blue Business Plus vs Chase Ink Business Unlimited
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
No annual fee
Base Rewards
1x
vs
1.5%
Sign-Up Bonus
$150
vs
$750
Editor Score
8/10
vs
8/10
Detailed Comparison
| Category wins | 4/6 | 2/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | No annual fee |
| Purchase APR | 18.49% – 26.49% | 18.49% – 24.49% |
| Intro APR (Purchases) | 0% · 12 mo | 0% · 12 mo |
| Intro APR (Balance Transfer) | 0% · 12 mo | |
| Foreign Txn Fee | 2.7%★ Lowest | 3%✗ Highest |
| Balance Transfer Fee | 3% | 5% |
| Rewards | ||
| Rewards Type | Points | Cashback |
| Base Rewards Rate | 1x✗ Lowest | 1.5%★ Highest |
| Bonus Categories | 2x All Purchases (first $50K/yr) | |
| Sign-Up Bonus | $150 value✗ Lowest | $750 value★ Highest |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | American Express | Visa |
| At a Glance | ||
| Best For | Small business owners who want no-fee Membership Rewards | Businesses wanting simple flat-rate rewards |
| Ratings | ||
| User Rating | 4.5 / 5★ Highest | 4.5 / 5 |
| Editor Score | 8 / 10★ Highest | 8 / 10 |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
The best no-fee business cards for flat-rate earning. The BBP earns 2x Membership Rewards on the first $50K/year (1x after). The Ink Unlimited earns 1.5% on everything with no cap. The BBP wins on raw earning rate (2x vs 1.5x) and MR flexibility, but has a $50K cap and 2.7% FTF. The Ink Unlimited wins for spending over $50K, international use, and integration with Chase's transfer partners. For most small businesses under $50K: BBP wins.
Winner: American Express Blue Business Plus
Higher 2x earning rate for most small business spending levels
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Common Questions
Which is better: American Express Blue Business Plus or Chase Ink Business Unlimited?
It depends on your spending habits. The American Express Blue Business Plus has no annual fee and earns 1x base rewards. The Chase Ink Business Unlimited has no annual fee and earns 1.5% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between American Express Blue Business Plus and Chase Ink Business Unlimited?
The American Express Blue Business Plus has no annual fee while the Chase Ink Business Unlimited has no annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the American Express Blue Business Plus and Chase Ink Business Unlimited?
Yes, since these cards are from different issuers (American Express and Chase), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.