Costs & Pricing

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

Rewards & Value

Metric	Ink Business Unlimited® Credit Card	Blue Business Cash® Card
Base earn rate	1.5% cash back (1.5 Ultimate Rewards points per $1)	2% cash back on first $50,000 eligible purchases per calendar year; 1% thereafter
Welcome bonus	$1,000 cash back after $8,000 in purchases within first 4 months (100,000 points; as of 9/3/2026)	$250 statement credit after $3,000 eligible purchases in first 3 months (standard public offer)
Redemption value	1¢/point for cash, gift cards, and program travel; Amazon Shop with Points 0.8¢/point	Automatic statement credit — 1¢ per 1% of eligible spend (2% = 2¢ per $1 under cap)
Transfer partners	Not native on this card; points can be moved to another Ultimate Rewards account for transfer-partner access when paired with eligible cards (e.g., Ink Preferred)	None — cash back only, not a points bank

Credit & Eligibility

Metric	Ink Business Unlimited® Credit Card	Blue Business Cash® Card
Personal guarantee	Required — joint and several liability of authorizing officer and business	Required — joint and several liability of Basic Card Member and Company (CMA)
Credit check	Hard pull on authorizing officer's personal credit (SSN required)	No personal-score impact to learn if approved; may impact personal credit if applicant accepts the card
Employee cards	Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts	Up to 99 Employee Cards, $0 AF; spend limits and merchant-type alerts
Product type	Revolving business credit card	Revolving business credit card with stated credit limit and Expanded Buying Power

Pros & Cons

Ink Business Unlimited® Credit Card

Pros

• $0 annual fee on primary and employee cards
• Uncapped 1.5% on eligible purchases — simple flat-rate earn
• 12-month 0% intro APR on purchases
• Elevated $1,000 / $8,000 / 4-month welcome bonus (as of 9/3/2026); AU spend counts
• Primary business-use rental CDW up to $60,000 on a no-fee card

Cons

• 3% foreign-transaction fee
• No native bonus categories — loses to 2% flats and Ink Cash/Preferred in bonus buckets
• Personal guarantee + hard personal pull + unofficial 5/24 rule
• Welcome bonus blocked if you ever held this or another $0-AF Chase business card
• No balance-transfer intro APR; no cell-phone protection or premium travel credits

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

Verdict

Ink Business Unlimited® Credit Card

One of the strongest no-annual-fee business cards for flat-rate earn. The Ink Business Unlimited combines uncapped 1.5% cash back, a generous intro APR window, free employee cards, and a elevated welcome bonus — all without an annual fee. Best for domestic spenders who don't need category bonuses or premium travel perks. Poor fit for foreign spend, no-PG seekers, or businesses that would earn more with Ink Cash or Ink Preferred in their bonus categories.

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.