Head-to-head · 🇺🇸 United States
Amex Blue Cash Preferred vs Chase Ink Business Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
American Express
Amex Blue Cash Preferred
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
US
Chase
Chase Ink Business Cash
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Amex Blue Cash Preferred | Chase Ink Business Cash |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 6% (shopping) | · 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | 2.7% | · 3% |
| Welcome bonus | = $250 statement credit after $3,000 in 6 months | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 700 | = 700 |
| Editorial rating | · 4.5/5 | 4.6/5 |
Benefits compared
Amex Blue Cash Preferred
- 6% cashback on US supermarkets (up to $6K/year, then 1%)
- 6% on streaming subscriptions
- 3% on US gas stations + transit
- 1% on everything else
- 0% intro APR for 12 months
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
FAQ
›Amex Blue Cash Preferred vs Chase Ink Business Cash: which is better?
It's a true tie — pick the one whose boost categories match your spend. Amex Blue Cash Preferred wins on 2 criteria, Chase Ink Business Cash on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Preferred for its best categories, Chase Ink Business Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Preferred: $250 statement credit after $3,000 in 6 months. Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months.