American Express Blue Cash Everyday® vs. Ink Business Cash®

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American Express Blue Cash Everyday<sup>®</sup> Card American Express Blue Cash Everyday® Card Ink Business Cash® Card Ink Business Cash® Card
8.9MyCreditCardLab Score

MyCreditCardLab Score 8.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
7
Regular APR
9.5
Rewards
8.6
Benefits
8.7
Welcome Bonus
9.3
Recommended Credit Score: 9.2
Foreign Transaction Fee: 9.1
Cash Advance Fee: 9.1
Balance Transfer Fee: 8.3
8.9MyCreditCardLab Score

MyCreditCardLab Score 8.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.1
Regular APR
9
Rewards
9.3
Benefits
8.4
Welcome Bonus
9.4
Recommended Credit Score: 9.3
Foreign Transaction Fee: 7.3
Cash Advance Fee: 8.9
Balance Transfer Fee: 8.5
ANNUAL FEE
$0 $0
INTRO APR
0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR.
REGULAR APR
19.24% - 29.99% Variable APR 18.49% - 24.49% Variable
PROS
  • $200 welcome bonus offer
  • High rewards rate
  • Introductory APR offer on purchases and balance transfers
  • Cell phone protection
  • No annual fee
  • 0% Intro APR period
  • Rewards don’t expire
  • Good welcome bonus
  • Earns up to 5% cash back.
CONS
  • $1,500 limit on 5% cash back
  • 2.7% foreign transaction fee
  • Balance transfer fee
  • Requires good - excellent credit
  • $5 or 5% Balance transfer fee
  • 3% foreign transaction fee
  • Spending cap on bonus categories
  • Minimum 2,000 points required for a redemption
WELCOME BONUS
$200 if you spend $2,000 in first 6 months Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
REWARDS
American Express Blue Cash Everyday® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • 3% CASH BACK On Groceries At U.S. supermarkets, U.S. Online Retail Purchases and Gas At U.S. gas stations on up to $6,000 per year in purchases (then 1%)
  • 1% cash back on other purchases
  • Are you thinking about getting the Disney Bundle? It can include Disney+, Hulu, and ESPN+. You get $7/month back. It comes as a statement credit. But, you must spend $9.99 or more each month on an eligible subscription. The subscription must auto renew and you must use your Blue Cash Everyday® Card. Enrollment required.
 Ink Business Cash® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • You earn 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services. This is for each account anniversary year.
  • You earn 2% cash back. This is on the first $25,000 spent at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability, you won't be held responsible for unauthorized charges. They are made with your card or account info.
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
BENEFITS
$84 Disney Bundle Credit - Get a $7 monthly statement credit. You get it after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a Disney Bundle subscription. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S. Complimentary ShopRunner membership - Get free two-day shipping on eligible items at 100+ online stores. You can get it by enrolling in the free ShopRunner membership. Car rental insurance - When you use your card to pay for a rental and decline the collision damage waiver, you may get secondary auto coverage. This happens in an eligible place. American Express experiences - Get access to special ticket presales. You will also get invitations to events. These events are only for American Express card members. $180 Home Chef credit - Get up to $15 in credits per month. You get them when you pay for a Home Chef subscription with your card. Introductory APR - The Ink Business Cash® card typically offers an introductory 0% APR on purchases. It lasts for the first 12 months from account opening. it's helpfull for new businesses. This can help businesses make large purchases. They can pay them off over time without paying interest. Generous Cash Back Rewards - 5% cash back - Office internet, cable, and phone services. 2% cash back - gas stations and restaurants. 1% cash back - all other purchases with no limit Employee Cards at No Additional Cost - If you have multiple employees who will require additional cards issued, Business owners can issue employee cards for free. They can use the cards to easily manage and track employee spending. They can also earn rewards on their purchases. Remember, the 5% cash back category is capped at $25,000 per year across the account. It's not per authorized cardholder. Purchase Protection and Extended Warranty - The card provides purchase protection and covers new purchases against damage or theft for up to 120 days. It extends the time of the U.S. manufacturer's warranty by a year. This is for eligible warranties of 3 years or less.
CASH ADVANCE FEE / APR
29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater. Either $15 or 5% of the amount of each transfer, whichever is greater
BALANCE TRANSFER FEE
Enjoy 0% intro APR on purchases. Also, on balance transfers. It lasts for 15 months from account opening. After that, 19.24% to 29.99% variable APR. APR: 18.49% to 24.49% Variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
700 - 749 (Fair - Good) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
2.7% 3%
BEST FOR
  • Cash Back Seekers
  • Gas and Groceries
  • U.S. Supermarket Spending
  • Large Welcome Bonus
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Gas and Groceries
  • Dining Out
More Details More Details

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