Costs & Pricing

Metric	Ink Business Unlimited® 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%; cap 29.99%)	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 (lost if minimum payment missed)	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 Unlimited® Credit Card	Blue Business℠ Plus Credit Card
Base earn rate	1.5% cash back (1.5 Ultimate Rewards points per $1)	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 cash back after $8,000 in purchases within first 4 months (100,000 points; as of 9/3/2026)	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¢/point for cash, gift cards, and program travel; Amazon Shop with Points 0.8¢/point	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 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)	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 Unlimited® Credit Card	Blue Business℠ Plus Credit Card
Personal guarantee	Required — joint and several liability of authorizing officer and 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 authorizing officer's personal credit (SSN required)	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	Free; number not capped in public copy; individual spend limits, lock/unlock, and alerts	$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 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℠ 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 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℠ 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.