Both are $0-annual-fee cash-back business cards with a $750 welcome bonus and a 0% intro APR. Chase Ink Business Cash pays 5% on office supplies and internet/cable/phone (up to a cap) — best when your spend concentrates there. Amex Blue Business Cash pays a flat 2% on everything up to $50K/year — best when spend is spread out. Pick by whether your top spend fits Chase's 5% categories.
Chase
5% on office supplies and telecom — strongest no-fee category.
Pros
American Express
2% flat cash back up to $50K/year, $0 annual fee.
Pros
Pick Chase Ink Business Cash if: Office-based SMBs with $1K+/month combined spend at office-supply stores and on internet/cable/phone.
Pick American Express Blue Business Cash Card if: Owner-operators spending under $50K/year who want 2% with zero category tracking.
Find your card type — 60-second quiz →
Chase Ink Business Cash earns 5% on office supplies and internet/cable/phone services (on the first $25,000 in combined purchases per account anniversary year), 2% on gas stations and restaurants (same $25,000 cap), and 1% on all other purchases. Amex Blue Business Cash earns a flat 2% on all purchases up to $50,000 per calendar year, then 1%. (Source: Chase.com and Amex.com card benefits pages; verify current terms before applying.)
Amex Blue Business Cash's flat 2% on all purchases typically wins for businesses with diverse spend — payroll tools, shipping, meals, marketing, mixed categories — because the rate applies uniformly with no cap management. Chase Ink Business Cash wins decisively only when a meaningful portion of spend lands in its 5% categories (office supplies + internet/cable/phone). A rough threshold: if those 5% categories represent $15K+ of your annual spend, Ink Cash likely comes out ahead on total cash back earned.
Yes. Both Chase Ink Business Cash and Amex Blue Business Cash have offered 0% introductory APR promotions on purchases. Promotional terms — including the APR period, what the rate applies to, and the go-to rate afterward — change periodically and vary by applicant creditworthiness. Check each card's current offer page at Chase.com and Amex.com before applying for the active terms. (Source: Chase.com and Amex.com offer pages.)
Both cards target good-to-excellent personal credit. Chase Ink Business Cash typically requires a 670+ FICO, with 720+ improving approval odds; Chase also applies its 5/24 rule — if you've opened 5 or more personal credit cards in the past 24 months, approval is unlikely regardless of score. Amex Blue Business Cash typically requires a 670+ FICO. Both issuers evaluate your personal credit because business credit cards generally don't build a separate business credit profile on their own. Source: CFPB guidance on business credit cards at consumerfinance.gov; verify current approval criteria with each issuer.
Chase Ink Business Cash earns Ultimate Rewards points (1 point = 1 cent when redeemed as cash back via statement credit). If you also hold a Chase Sapphire Preferred or Reserve, those points can be pooled and transferred to airline and hotel partners at a higher potential value. Amex Blue Business Cash automatically applies earned rewards as a statement credit once you reach $25 in accumulated cash back — no manual redemption required. The Amex cash back cannot be converted to transferable Membership Rewards points on this card.
Yes. Both cards allow employee cards at no additional annual fee. Employee card purchases earn the same category rates and count toward the same annual caps as primary cardholder spending: the combined $25,000 cap on Ink Cash's 5% categories is shared across all cards on the account. Rewards pool into the primary cardholder's account. Source: Chase.com and Amex.com employee card terms; verify current policy before adding employee cardholders.
Independent editorial comparison. ClearValue Lending is not the issuer of any product compared here; affiliate links may pay a referral commission at no cost to you — selection is independent of compensation.