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Blue Cash Preferred® Card from American Express vs Ink Business Preferred® Credit Card
This comparison aims to assist users in deciding between the Blue Cash Preferred® Card from American Express and the Ink Business Preferred® Credit Card. Both cards offer unique benefits tailored to different spending habits and financial goals.
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 supermarkets and enjoy streaming services. With its attractive cash back rewards, especially in categories like groceries and streaming subscriptions, it appeals to families and everyday consumers looking to maximize their cash back returns.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card targets small business owners who want to earn rewards on their business expenses. With a robust points system, especially for travel and select business categories, this card is ideal for entrepreneurs looking to maximize their rewards on business-related purchases.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Ink Business Preferred® Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $95 |
| Welcome Bonus | $250 statement credit after spending $3,000 in the first 6 months | 90k bonus points after spending $8,000 in the first 3 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets (up to $6,000/year), 3% on transit and gas, 1% on others | 3 points per $1 on first $150,000 spent in select categories, 1 point on others |
| Foreign Transaction Fee | None | None |
| Other Fees | $0 intro plan fees for Plan It® for first 12 months | Purchase Protection covers new purchases for 120 days |
| Additional Benefits | Cash Back redemption at Amazon, Disney Bundle Credit | Points worth 25% more for travel through Chase Travel℠ |
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
- No foreign transaction fee
- $250 welcome bonus
- Cons:
- Annual fee after the first year
- Lower cash back on other purchases
Ink Business Preferred® Credit Card
- Pros:
- High rewards rate on business and travel categories
- Large welcome bonus
- Flexible redemption options for points
- Cons:
- Annual fee
- Higher spending requirement for welcome bonus
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is ideal for families or individuals who primarily shop at supermarkets and enjoy streaming services. Its high cash back rewards in these categories can lead to significant savings.
On the other hand, the Ink Business Preferred® Credit Card is better suited for small business owners who have substantial expenses in travel and business-related categories. The points earned can provide substantial value for business travel and purchases.
Conclusion
Both the Blue Cash Preferred® Card from American Express and the Ink Business Preferred® Credit Card offer valuable benefits tailored to different audiences. Consider your individual spending habits, whether personal or business-related, to choose the card that aligns best with your financial goals.