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

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Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit 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
8.9
Regular APR
9.3
Rewards
8.4
Benefits
8.7
Welcome Bonus
9.5
Recommended Credit Score: 9
Foreign Transaction Fee: 8.9
Cash Advance Fee: 8.6
Balance Transfer Fee: 7.9
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 first 12 months 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 APR 19.24% - 29.99% Variable APR
PROS
  • Unlimited 1.5% cash back rewards on purchases
  • No membership fees
  • $750 initial rewards bonus
  • 0% Intro APR on purchases for 12 months
  • $200 welcome bonus offer
  • High rewards rate
  • Introductory APR offer on purchases and balance transfers
  • Cell phone protection
CONS
  • 3% Foreign fee
  • No intro APR on balance transfers
  • No bonus categories
  • $1,500 limit on 5% cash back
  • 2.7% foreign transaction fee
  • Balance transfer fee
  • Requires good - excellent credit
WELCOME BONUS
$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 Unlimited® Credit 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 can redeem rewards for cash back, gift cards, and travel. You can also redeem them for more through Chase Ultimate Rewards®.
  • Unlimited 1.5 percent cash back on all purchases
  • With Zero Liability, you won’t be held responsible for unauthorized charges. They are made with your card or account information.
  • Get rewards faster with employee cards. They cost nothing extra. Set individual spending limits for greater control.
 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
No-cost employee credit cards - You won't pay an extra fee for issuing an employee their business credit card. This can help you track and limit employees spending on the account. Rewards can be combined - Rewards can be combined. This works with another eligible Chase Ultimate Rewards card. The other card must belong to the company owner. You can pool your rewards between cards. This adds more ways to redeem them. Easy-to-understand rewards - Gift cards (1 cent per point). Travel booked through Chase Ultimate Rewards® (1 cent per point). Amazon purchases (0.8 cents per point). 0% interest for 12 months - The Chase Ink Business Unlimited card gives cash back rewards. It also has another great feature for business owners: a 0% APR on new purchases for 12 months. After that, the ongoing rate is 18.49% to 24.49%. If you are planning a large purchase for your business, this is a great chance to finance it at 0% for a year. You can use your sign-up bonus to help pay down the purchase. $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
29.99% variable, plus a fee of either $15 or 5% of the amount of each transaction, whichever is greater 29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater.
BALANCE TRANSFER FEE
18.49% - 24.49% variable, plus a fee of 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
  • Large Welcome Bonus
  • Cash Back Seekers
  • Gas and Groceries
  • U.S. Supermarket Spending
  • Large Welcome Bonus
More Details More Details

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