Costs & Pricing

Metric	Ink Business Cash® Credit Card	Blue Business℠ Plus Credit Card
Annual fee	$0	$0 (CMA: Annual Fee None)
Employee card fee	$0	$0 (CMA: Annual Fee for Additional Cards: None)
Purchase APR	16.74%–24.74% variable (Prime + 9.99% to +17.99%; max 29.99%; Prime 6.75% as of 2/3/2026 pricing box)	Variable Prime + 9.99% to Prime + 21.74% (marketing 16.74%–28.49% as of late Aug 2026 at Prime 6.75%). Placement by creditworthiness and other factors at opening. Cap 29.99%. CMA formula wins over landing-page vintage ranges.
Intro APR (purchases)	0% fixed for first 12 months the account is open (lost if minimum payment missed; Default APR then applies)	0% intro APR on purchases for 12 months from account opening, then the variable purchase APR
Foreign transaction fee	3%	2.7% of each transaction after conversion to U.S. dollars (via AE Exposure Management Ltd.)
Late payment fee	$40	Up to $39; $39 if Minimum Payment Due is not received by due date, not to exceed the Minimum Payment Due

Rewards & Value

Metric	Ink Business Cash® Credit Card	Blue Business℠ Plus Credit Card
Base earn rate	1% cash back on eligible purchases (1 Ultimate Rewards point per $1; unlimited)	2 Membership Rewards points per $1 on the first $50,000 eligible purchases per calendar year, then 1X. Official copy: no category restrictions. Cap resets each calendar year, not cardmember anniversary.
Welcome bonus	$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)	Standard public offer (Amex compare and partner pages, late Aug–early Sep 2026): 15,000 Membership Rewards points after $3,000 eligible purchases in the first 3 months. Historical typical public offer has sat at 15k/$3k/3 mo for years.
Redemption value	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.	Issuer examples for 10,000 points: $60 toward eligible Card Charges (~0.6¢); $100 on AmexTravel.com flights (~1.0¢); $70 at Amazon.com (~0.7¢); up to $100 toward select gift cards. Transfer value is partner- and award-dependent. Disclose cash/statement at 0.6¢ and AmexTravel flights at 1.0¢; do not assume transfer uplift unless the user picks a partner.
Transfer partners	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.	Membership Rewards program (not card-unique; lists move). Commonly 16 airline + 3–4 hotel partners as of mid/late 2026. Secondary catalog compilations: most airlines 1:1; Aeromexico 1:1.6; Cathay 5:4; Emirates 5:4; JetBlue 250:200 or 1:0.8; Hilton 1:2; Marriott 1:1; Choice 1:1; Leading Hotels of the World reported 4:1 after July 2026. Etihad Guest transfers ended 30 June 2026. Re-check the logged-in MR transfer page. Typical minimum 1,000 points (JetBlue lower). Transfers generally no fee. Points do not expire while the Rewards Account remains open and in good standing.

Credit & Eligibility

Metric	Ink Business Cash® Credit Card	Blue Business℠ Plus Credit Card
Personal guarantee	Required — Chase states Ink cards require joint and several liability of the individual cardmember and the business	Yes. CMA: Joint and Several Liability — both the Basic Card Member and the Company are each individually responsible for the Account. We may seek payment from either or both.
Credit check	Hard pull on the owner/guarantor (SSN required; not printed as “hard pull” on the product page)	Business credit may be impacted on submit; personal credit not impacted to receive a decision; personal credit may be impacted if the applicant accepts the card. Soft-then-hard pattern. Whose file: the applying Basic Card Member.
Employee cards	Unlimited number at $0 extra fee (no published numeric cap). Individual spend limits, lock/unlock, alerts. Same liability pool.	$0. Benefits dashboard copy: add up to 99 Employee Blue Business Plus Cards. Owner earns MR on employee eligible spend; alerts and summary reports. Owner/Company remain liable. Spend controls via alerts/Account Manager — not a Ramp-style native policy engine.
Product type	Revolving business credit card	Revolving business credit card with a stated Credit Limit plus Expanded Buying Power (excess due in full with the minimum payment). Not a charge card and not a fintech spend-management card.

Pros & Cons

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

Blue Business℠ Plus Credit Card

Pros

• $0 annual fee and $0 employee-card fees
• 2X Membership Rewards on the first $50,000 eligible purchases each calendar year with no category tracking
• AmexTravel.com 2X that does not consume the $50k cap
• 0% intro APR on purchases for 12 months
• Points sit in Membership Rewards and can transfer to airline/hotel partners; purchase protection and extended warranty listed on the official benefits block

Cons

• 2X layer caps at $50,000 per calendar year, then 1X
• 2.7% foreign transaction fee
• Public welcome bonus is modest versus premium Amex business cards (15k / $3k / 3 mo on compare pages)
• Joint-and-several personal liability
• No lounge, GE/TSA, trip-cancellation, or cell-phone benefits on the official list; post-intro APR band is high (16.74%–28.49% variable)

Verdict

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.

Blue Business℠ Plus Credit Card

This is the Membership Rewards twin of Blue Business Cash — same chassis, same $50k cap, same 0% intro, not cash back and not Business Gold. Confirm the live apply-flow welcome (15k standard vs targeted 25k–75k). Poor daily driver for uncapped high spend, foreign spend, or anyone who will revolve after the intro period.