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Compare the Features and Benefits of Chase Ink Business Unlimited® Credit Card and
Blue Cash Preferred® Card from American Express

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
0% Intro APR on Purchases
Extended Warranty
Purchase Protection
Travel and Emergency Assistance Services
No Fees for Authorized Users
Primary Car Rental CDW Waiver
Does Not Report Credit Line to Personal Credit Profile
Roadside Assistance
Unique Card Benefits
0% Intro APR on Balance Transfers
Annual Statement Credits
Secondary Car Rental CDW Waiver
Return Protection
Amex Offers
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
APR on balance transfers
-
Ongoing APR
18.49%-24.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Lyft
1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Get $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

If you are a small business owner, I strongly recommend that you carry all three Chase Ink credit cards: the Chase Ink Business Unlimited® Credit Card (this card!), the Chase Ink Business Preferred®, and the Chase Ink Business Cash®.

They all work together as what we refer to as a Chase business credit card “Trifecta.” The Chase Ink Preferred® allows you to transfer points to Chase’s Ultimate Rewards airline and hotel partners like United, Hyatt, and British Airways.

But then it makes sense to also get the Ink Business Cash credit card and Chase Ink Business Unlimited credit card to maximize your total earnings on bonus categories – since all points can be combined to your Ink Preferred.

Here, with the Chase Ink Business Unlimited credit card, it is your “default” card for your business spend. What I mean by that is that if the purchase you are making isn’t in a bonus category on your other cards, you would put the charge on the Ink Unlimited for 1.5X Ultimate Rewards points. This way you are never, ever getting less than 1.5% back on your business purchases.

There is no limit to how many Ultimate Rewards points you can earn on the Chase Ink Business Unlimited credit card, all at the 1.5X multiplier.

However, it is very important to know is that although this card states that you are earning cash back, that is only if you don’t also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card.

Yes, you are earning Chase Ultimate Rewards points with the Chase Ink Business Unlimited credit card.

But without one of the above credit cards, your only redemption option is to cash out your points for 1 cent per point, meaning that, on its own, it’s a cash back card and the points have an actual cash value of 1 cent each.

chase-ink-business-unlimited-credit-card

Assuming you do have an Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card in your wallet, however, you’ll be able to move your points from your Ink Business Unlimited card to any of those other 3 cards, where you will be able to transfer to airline and hotel partner programs like United and Hyatt – or redeem for travel via the Chase Ultimate Rewards portal where your points are worth either 1.25 or 1.5 cents each, depending on which card you have.

The Ink Preferred and Sapphire Preferred offer 1.25 cents a point while the Sapphire Reserve (with its $550 annual fee) gives you 1.5 cents per point when booking travel in the Ultimate Rewards portal.

The bottom line is that the Chase Ink Unlimited is simply a staple in the Chase Ink family of business credit cards. It backs up the Preferred and Cash with that 1.5% “floor” on rewards – and all with no annual fee.

When using our bonus spend calculator on this card, you’ll notice we ask you if you also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card. That’s because, if you do, we’ll increase the value of rewards on this card from 1 cent to 1.75 cents accordingly accounting for the ability to utilize Chase’s point transfer partners.

Please note: you must be under 5/24 (more on the Chase 5/24 rule) to apply for this card and you cannot apply for more than one Chase Business card in any 30 day period. You can apply for a maximum of two Chase cards within 30 days, with only, at most, 1 of them being a Chase Ink business card (or any Chase business card).

Read more
0% Intro APR on Purchases
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
Primary Car Rental CDW Waiver
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Roadside Assistance
yes
Unique Card Benefits
no
0% Intro APR on Balance Transfers
no
Annual Statement Credits
no
Secondary Car Rental CDW Waiver
no
Return Protection
no
Amex Offers
no
Annual Fee
$0 Introductory Annual Fee for the first year, then $95 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 19.24%-29.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 12 months, 19.24%-29.99% thereafter)
Ongoing APR
19.24%-29.99% (Variable)
Balance transfers fees
Either $5 or 3% of the amount of each transfer, whichever is greater.
Best Multiplier
6x Groceries

At U.S. Supermarkets on the first $6,000 of yearly spend; 1X thereafter. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

6x Streaming Services

On select U.S. Streaming Services

3x Transit
3x Gas Stations

At U.S. Gas Stations

Avg. Point Value
(Learn More)
$0.01
Bonus Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.08) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Blue Cash Preferred® Card from American Express is a rewarding cash-back card thanks to its range of useful bonus categories. Perhaps the most valuable bonus category is the ability to earn 6% cash back at U.S. supermarkets, on the first $6,000 spent annually. Households who spend $500 or so can maximize this threshold to earn a tremendous $350 in reward dollars every year, and that’s before you consider the other bonus cash-back opportunities like 3% cash back at U.S. gas stations. Still, you will want to subtract the $95 annual fee from that bounty.

The 6% cash back rate applies to select U.S. streaming subscriptions, which covers virtually every participating provider out there. From Apple Music to YouTube TV to Netflix to Prime Video, it’s likely that you subscribe to one (or more) of these popular live TV, movie or music streaming services.

apple-music-blue-cash-preferred-card-from-american-express

Not to mention, you can enroll your card within your American Express account to receive a $7 monthly statement credit when you spend $9.99 (or more) each month on a subscription to The Disney Bundle, which includes Disney+, Hulu, or ESPN+. If you already subscribe to one of these eligible services, that’s an instant savings of $84 every year.

You can also earn bonus cash back when you’re on the road. The Blue Cash Preferred provides 3% at U.S. gas stations and for local transit expenses, which includes anything such as taxis, rideshare services like Lyft and Uber, parking expenses, tolls, and train and bus fares.

Simply put, the cash back earnings add up swiftly with the Blue Cash Preferred, especially if you have a large household. You’ll earn cash back in the form of reward dollars, which can then be redeemed for any amount on your monthly statement credit through American Express. One reward dollar equals $1.

Other benefits on the card, such as purchase protection, return protection and access to Global Assist Hotline may be used less frequently, but will still come in handy when it’s least expected.

Best of all, there’s no annual fee for the first year of card membership, giving you time to test drive the card’s earning rates and benefits before you commit to paying the ongoing $95 annual fee. It is possible to downgrade after one year to the Blue Cash Everyday® Card if you find it more suitable.

Rates and Fees for the Blue Cash Preferred® Card from American Express

Read more
0% Intro APR on Purchases
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
Primary Car Rental CDW Waiver
no
Does Not Report Credit Line to Personal Credit Profile
no
Roadside Assistance
no
Unique Card Benefits
yes
0% Intro APR on Balance Transfers
yes
Annual Statement Credits
yes
Secondary Car Rental CDW Waiver
yes
Return Protection
yes
Amex Offers
yes

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