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Blue Cash Preferred® Card from American Express vs Ink Business Premier® Credit Card
This comparison aims to assist users in deciding between the Blue Cash Preferred® Card from American Express and the Ink Business Premier® Credit Card. Both cards offer unique features tailored to different spending habits and financial goals.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card is designed for individuals who spend heavily in categories like groceries and streaming services. With a focus on cash back rewards, it offers an attractive introductory annual fee and solid cash back options.
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is tailored for business owners who want to maximize cash back on larger purchases. It provides significant rewards on business expenses and travel, making it a great choice for entrepreneurs looking to enhance their cash flow.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card | Ink Business Premier® Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $195 |
| Welcome Bonus | Earn a $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets (up to $6,000 per year), 6% on select streaming subscriptions, 3% at U.S. gas stations, 3% on transit, 1% on other purchases | Unlimited 5% on travel through Chase Travel, 2.5% on purchases of $5,000 or more, 2% on all other business purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | $0 intro plan fees for Plan It® for the first 12 months | No additional cost for employee cards |
| Additional Benefits | $84 Disney Bundle Credit, cash back redemption options | Fraud Protection, Cell Phone Protection, Purchase Protection |
Rewards Highlights
Ink Business Premier® Credit Card Rewards
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Unlimited 5% total cash back on travel purchased through Chase Travel℠.
- Unlimited 2.5% total cash back on purchases of $5,000 or more.
- Unlimited 2% cash back on all other business purchases.
Blue Cash Preferred® Card Rewards
- 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 groceries and streaming subscriptions.
- No annual fee for the first year.
- Flexible cash back redemption options.
Blue Cash Preferred® Card from American Express Cons
- Annual fee applies after the first year.
- Lower cash back rates on non-category purchases.
Ink Business Premier® Credit Card Pros
- High cash back rate on large purchases.
- Generous welcome bonus.
- No foreign transaction fees.
Ink Business Premier® Credit Card Cons
- Higher annual fee compared to personal cards.
- Spending limit required for higher cash back rates.
Who Should Consider Which Card?
The Blue Cash Preferred® Card is ideal for individuals who frequently shop at U.S. supermarkets and utilize streaming services, offering substantial cash back in these categories. Conversely, the Ink Business Premier® Credit Card is better suited for business owners who want to earn rewards on significant business expenditures and travel.
Conclusion
Both the Blue Cash Preferred® Card from American Express and the Ink Business Premier® Credit Card provide unique benefits tailored to different user needs. Consider your spending habits and financial goals to choose the card that best fits your lifestyle.