Costs & Pricing

Metric	Blue Business Cash® Card	Ink Business Cash® Credit Card
Annual fee	$0 (no annual fee, ever)	$0
Employee card fee	$0 (up to 99 Employee Cards)	$0
Purchase APR	16.74%–28.49% variable (Prime + 9.99% to +21.74%; cap 29.99%)	16.74%–24.74% variable (Prime + 9.99% to +17.99%; max 29.99%; Prime 6.75% as of 2/3/2026 pricing box)
Intro APR (purchases)	0% for 12 months from account opening, then variable purchase APR	0% fixed for first 12 months the account is open (lost if minimum payment missed; Default APR then applies)
Foreign transaction fee	2.7% of each transaction after conversion to USD	3%
Late payment fee	Up to $39 (cannot exceed Minimum Payment Due)	$40

Rewards & Value

Metric	Blue Business Cash® Card	Ink Business Cash® Credit Card
Base earn rate	2% cash back on first $50,000 eligible purchases per calendar year; 1% thereafter	1% cash back on eligible purchases (1 Ultimate Rewards point per $1; unlimited)
Welcome bonus	$250 statement credit after $3,000 eligible purchases in first 3 months (standard public offer)	$1,000 bonus cash back after $8,000 purchases in the first 4 months (Chase labels this “OUR BEST OFFER EVER”; prior $750 struck through; posts 6–8 weeks after qualifying)
Redemption value	Automatic statement credit — 1¢ per 1% of eligible spend (2% = 2¢ per $1 under cap)	1¢ per point for cash, gift cards, and Chase Travel. Other paths may be worth more or less. Do not assume transfer value unless paired with a transferable UR card.
Transfer partners	None — cash back only, not a points bank	Not native. Points can be moved to another Ultimate Rewards card belonging to you, a household member, or a company owner. Airline/hotel transfers only after combining onto Ink Preferred, Sapphire Preferred/Reserve, or Sapphire Reserve for Business.

Credit & Eligibility

Metric	Blue Business Cash® Card	Ink Business Cash® Credit Card
Personal guarantee	Required — joint and several liability of Basic Card Member and Company (CMA)	Required — Chase states Ink cards require joint and several liability of the individual cardmember and the business
Credit check	No personal-score impact to learn if approved; may impact personal credit if applicant accepts the card	Hard pull on the owner/guarantor (SSN required; not printed as “hard pull” on the product page)
Employee cards	Up to 99 Employee Cards, $0 AF; spend limits and merchant-type alerts	Unlimited number at $0 extra fee (no published numeric cap). Individual spend limits, lock/unlock, alerts. Same liability pool.
Product type	Revolving business credit card with stated credit limit and Expanded Buying Power	Revolving business credit card

Pros & Cons

Blue Business Cash® Card

Pros

• $0 annual fee on primary and up to 99 Employee Cards
• 2% automatic cash back on first $50,000 calendar-year eligible spend
• 12-month 0% intro APR on purchases
• Expanded Buying Power — no overlimit fee; rewards earn above limit if approved
• Purchase Protection and Extended Warranty included

Cons

• 2% earn ends at $50k; incremental spend drops to 1%
• 2.7% foreign transaction fee
• Joint-and-several personal liability of Basic Card Member
• Modest standard welcome bonus ($250 / $3k / 3 months) vs many competitors
• Over-limit balances due in full; missed Closing Date can trigger Penalty APR on entire balance

Ink Business Cash® Credit Card

Pros

• $0 annual fee with 5%/2%/1% structure and a $1,000 / $8,000 / 4-month public bonus as of Sept 2026
• 12-month 0% intro APR on purchases (lost only if a minimum payment is missed)
• Employee cards $0; AU spend earns rewards and counts toward the bonus and category caps
• Cash back is Ultimate Rewards points and combinable with a transferable Chase card
• Primary business rental-car coverage up to $60,000 and solid purchase/extended-warranty terms for a no-fee card

Cons

• Bonus categories cap at $25k each per anniversary year, then 1%
• 3% foreign-transaction fee
• Base rate 1% loses to flat 1.5–2% cards outside the bonus buckets
• Personal guarantee + personal hard pull + commonly reported 5/24 filter
• Welcome bonus blocked if you ever had this card or another $0-AF Chase business card; no cell-phone protection, lounges, or TSA credit

Verdict

Blue Business Cash® Card

The Blue Business Cash Card is Amex's no-fee workhorse for modest spenders — 2% automatic cash back up to $50k, then 1%, paired with a 12-month 0% intro APR and Expanded Buying Power. It beats uncapped 1.5% cards on the first $50k but loses incremental dollars to Spark Cash Plus or Ink Unlimited above that cap. Best for domestic sole props and small firms who won't chase category bonuses or transfer partners.

Ink Business Cash® Credit Card

Ink Cash is the category SKU in the $0-AF Ink pair — not Unlimited (flat 1.5%) and not Preferred ($95, 3x ads/shipping/travel, $0 FTF, native transfers). It wins when office supplies and phone/internet/cable bills (plus some gas and dining) sit under two separate $25k anniversary caps. Pair it with Unlimited or Preferred rather than using it as an uncapped daily driver. Skip it for foreign spend, ad-heavy businesses, no-PG underwriting, or if a prior Ink Unlimited/Cash card already burned the $0-AF bonus.