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

Easily compare up to three credit cards side by side with our intuitive comparison tool. Assess features, offers, and more to find the best fit for your financial needs.

Ink Business Cash® Card Ink Business Cash® Card American Express Blue Cash Everyday<sup>®</sup> Card American Express Blue Cash Everyday® 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
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
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
ANNUAL FEE
$0 $0
INTRO APR
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable 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
REGULAR APR
18.49% - 24.49% Variable 19.24% - 29.99% Variable APR
PROS
  • No annual fee
  • 0% Intro APR period
  • Rewards don’t expire
  • Good welcome bonus
  • Earns up to 5% cash back.
  • $200 welcome bonus offer
  • High rewards rate
  • Introductory APR offer on purchases and balance transfers
  • Cell phone protection
CONS
  • $5 or 5% Balance transfer fee
  • 3% foreign transaction fee
  • Spending cap on bonus categories
  • Minimum 2,000 points required for a redemption
  • $1,500 limit on 5% cash back
  • 2.7% foreign transaction fee
  • Balance transfer fee
  • Requires good - excellent credit
WELCOME BONUS
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening $200 if you spend $2,000 in first 6 months
REWARDS
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®.
 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.
BENEFITS
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. $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.
CASH ADVANCE FEE / APR
Either $15 or 5% of the amount of each transfer, whichever is greater 29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater.
BALANCE TRANSFER FEE
APR: 18.49% to 24.49% Variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater 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.
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 700 - 749 (Fair - Good)
FOREIGN TRANSACTION FEE
3% 2.7%
BEST FOR
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Gas and Groceries
  • Dining Out
  • Cash Back Seekers
  • Gas and Groceries
  • U.S. Supermarket Spending
  • Large Welcome Bonus
More Details More Details

Disclosure

MyCreditCardLab.com is an independent, credit card review and comparison service. MyCreditCardLab is not compensated by the third-party firms. Not impact the placement, order, and manner of appearance of the products on this website. The financial services, businesses, and products that are offered on this website are not all that are available.

See the offer terms and conditions on the issuer's website for full details. You can check the issuer the terms and restrictions of the offer before applying the information gathered here. We just display an overview of the legal conditions; thus, before applying, make sure you are aware of the entire terms as provided by the issuer.

MyCreditCardLab tries to provide accurate information as per our research and ranking methodology. But, none of the offer info comes with a warranty. So check all terms and conditions issuer's website before applying for any card.

Editorial Disclaimer: All card content is not from the issuer. It includes both editorial and our team research content. The issuer did not make, ask for, check, okay, or support it. Also, the issuer does not have to ensure that all card reviews, posts, comparisons and questions are addressed or answered.