Chase Ink Plus Vs. Amex Express Blue for Business

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Chase Ink Plus Vs. Amex Express Blue for Business

Postby akd1991 » Wed Jun 22, 2016 11:39 am

OK, so there is what seems like a lot involved in my decision here. I am interested in getting a business credit card and pairing the rewards points with my personal credit card. The pairing options are

Chase freedom card
with the rotating 5x points
1% unlimited

Chase ink Plus
5x on office supllies and cable etc...
2x gas stations and hotels
1x unlimited


Amex Everyday Preferred
3x points at US supermarkets*
2x points at US gas stations
1x points on other purchases
Use your Card 30 or more times on purchases in a billing period and get 50% more points

Amex Blue for Business
Basically 1x rewards
30% rewards at the end of the year

I believe i would get more rewards back with the amex combo because i think the Amex everyday preferred is a great card and i would get a guaranteed 30% back in rewards on my spending and i'm not locked into category's with the blue for business.

-The Chase ink plus has a better welcoming offer than the blue for business
-Visa is more recognized worldwide
-the ink plus has no foreign transaction fee
-Chase has a better overall rewards program
-Amex has many more perks such as quick books,Baggage Insurance Plan,Car Rental Loss and Damage Insurance,Travel Accident Insurance, airport lounge access,and more.
-Chase has Visa Edge compatibility
-Amex has Open Business and Small business Saturdays
- i would have to pay $95 a year on either combo, but chase does wave the first year.

My business doesn't spend that much as of now, I make monthly purchases at Amazon, Lowes, Staples and Craft stores like Joanne's and Michael's. I am mostly E-commerce, so i pay a lot for shipping.

Some of the things that i'v stated may be opinions, and i may be missing some crucial points but its what iv got from reading about all of the cards

Ill take anyone's opinion on this matter, both sets of cards are great i just need someone to help me make a decision before i go nuts.

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Re: Chase Ink Plus Vs. Amex Express Blue for Business

Postby takeshi » Thu Jun 23, 2016 9:49 am

You need to look beyond just the earn rates for programs like Membership Rewards and Ultimate Rewards as the redemption method(s) that you can use can have a significant impact on rewards value.

It's not just a matter of the cards themselves. It's about how well a given card suits your requirements. In your case, your business's requirements. How often do you make foreign purchases? Have you run the numbers all the way through from spend to redemption to compare potential rewards?

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Re: Chase Ink Plus Vs. Amex Express Blue for Business

Postby augiedog » Fri Jun 24, 2016 1:54 pm

The Chase Ink Plus really does have a sweet intro bonus, combined with the first year without the fee, this alone should be enough for you to put this at the top of your list. If you do travel internationally frequently for business, then the no foreign transaction fee is important (and if this isn't business related, you should use a Discover or Capitol One Quicksilver for personal charges).

As far as the rewards program, you might find that you don't spend enough on cable and office supplies to beat the 1.3x Amex offers. Or maybe you will find that it significantly boosts your cash back than what you would earn on those categories. Consider that the end of year bonus could also give your business a boost for the new year. The Blue for Business also does not have an annual fee, so you could be saving money over the years if you do not like paying an annual fee (it is important to consider how the annual fee will be eating into your cash back - and it is fine if you prefer not to pay one). Extended Warranty may very likely come in handy a few times, and could save you money if anything breaks just after the warranty expires. The Blue for Business also does have important features like Small Business Saturdays which could be very important to your profits.

American Express also, in my experience, is more generous with credit lines, going over your limit, lowering your interest rate (and starting off with a very low interest rate), and not to mention has excellent customer service.

You may also want to consider the Amex SimplyCash Plus, which is similar to the Blue for Business, but has a reward structure similar to the Ink Plus's, but offers cash like the Chase Freedom. There is no annual fee either. It also has a $200 statement credit for the welcome offer. After I posted this, I see the CreditCardForum sponsors a $250 welcome bonus.
American Express: Blue Cash Everyday (10k), Everyday, Plenti ; Discover It (7.3k) ; Target (1.6k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

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