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Blue Cash Preferred® Card from American Express vs Ink Business Cash® Credit Card
This comparison aims to help you decide between the Blue Cash Preferred® Card from American Express and the Ink Business Cash® Credit Card. Each card has unique features that cater to different spending habits and financial needs. Let's dive into a detailed comparison.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for individuals who frequently shop at U.S. supermarkets and enjoy streaming services. With high cash back rates in these categories, this card is ideal for families and frequent shoppers looking to maximize their rewards.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is tailored for business owners who want to earn cash back on everyday business expenses. With strong rewards in categories like office supplies and gas stations, this card is perfect for entrepreneurs looking to save on their operational costs while earning rewards.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Ink Business Cash® Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | No Annual Fee |
| Welcome Bonus | $250 statement credit after spending $3,000 in the first 6 months | $350 after spending $3,000 in the first 3 months, plus $400 after $6,000 in the first 6 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets, 6% on select streaming, 3% on transit and gas, 1% on other purchases | 5% on office supplies and internet, cable, phone; 2% on gas and restaurants; 1% on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Plan fees may apply for Plan It® | None noted |
| Additional Benefits | $84 Disney Bundle Credit, Plan It® feature | Zero Liability, redeem rewards through Chase Ultimate Rewards® |
Rewards Highlights
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on supermarkets and streaming.
- Valuable welcome bonus.
- Offers unique benefits like the Disney Bundle Credit.
- Cons:
- Annual fee after the first year.
- Plan fees may apply for large purchases.
Ink Business Cash® Credit Card
- Pros:
- No annual fee.
- Strong cash back rewards for business-related expenses.
- Generous welcome bonus for new users.
- Cons:
- Lower cash back rates on non-business categories.
- Rewards may be less appealing for non-business users.
Who Should Consider Which Card?
- The Blue Cash Preferred® Card from American Express is ideal for families and individuals who spend significantly on groceries and streaming services.
- The Ink Business Cash® Credit Card is best suited for business owners who want to earn rewards on office supplies and other business expenses.
Conclusion
Both the Blue Cash Preferred® Card from American Express and the Ink Business Cash® Credit Card offer valuable rewards and benefits tailored to different user needs. Consider your individual spending habits and financial goals when choosing the right card for you.