Ink Business Cash Outshines Amex Blue Business Cash in Rewards and Protections

The Chase Ink Business Cash Credit Card and the American Express Blue Business Cash Card are two no-annual-fee business credit cards that take different approaches to rewards. The Ink Business Cash offers higher cash back rates in several categories, such as office supplies, internet, cable, and phone services.

The Amex Blue Business Cash, on the other hand, earns a flat 2% cash back on all purchases up to $50,000 per calendar year, then 1% back on everything else. While both cards have their strengths and weaknesses, the Ink Business Cash is generally considered a better choice for business owners who want to maximize rewards in specific categories.

The Ink Business Cash welcome bonus of $1,000 after spending $8,000 in the first four months from account opening is more valuable than the Amex Blue Business Cash's $250 statement credit after spending $3,000 in the first three months. However, it requires an additional $5,000 in spending to earn.

Both cards offer purchase protection and extended warranty protection, but the Ink Business Cash has a longer purchase protection period of 120 days, compared to the Blue Business Cash's 90 days. The Ink also offers primary rental car coverage for eligible business rentals, while the Blue Business Cash provides secondary coverage.