Compare Cards | The Stack

Compare Cards

See which card actually wins for your spend.

This page compares year-one value, ongoing value, welcome-offer difficulty, usable credits, and transfer flexibility under your own assumptions instead of generic rankings.

Build a bonus plan

Card A

Card B

Assumptions

Pressure-test the math

Rewards use your annual spend mix. Credits are discounted by your usage slider. Points and miles use your valuation assumption.

Dining

$/mo

Groceries

$/mo

Travel

$/mo

Gas

$/mo

Online Shopping

$/mo

Streaming

$/mo

General

$/mo

Point Value1.5 cpp

Used for points and miles cards. Cash-back cards stay fixed.

Credit Usage70%

This discounts recurring credits so the page does not assume perfect usage.

Verdict

Ink Business Unlimited Credit Card is the better opener. Blue Business Cash Card from American Express is the better keeper.

One card wins on immediate sign-up-bonus value, while the other is easier to justify once the bonus is gone.

Year One Winner

Ink Business Unlimited Credit Card

Keeper Winner

Blue Business Cash Card from American Express

Ink Business Unlimited Credit Card

• Has about $750 more welcome-offer value in year one.
• Still delivers meaningful first-year upside from the welcome offer.

Blue Business Cash Card from American Express

• Earns about $148 more per year at your current spend mix.
• Avoids foreign transaction fees.

Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and credit gap.

Chase

Ink Business Unlimited Credit Card

No-fee keeperBusiness

Year One

$1,195

Welcome offer + annual rewards + usable credits - fee

Ongoing Year

$445

Annual rewards + usable credits - fee

Annual Rewards

$445

1.50% effective return

Welcome Offer

$750

Current listed first-year bonus value

Usable Credits

None

Discounted by your credit-usage assumption

Bonus Hurdle

$2,000/mo is doable

Needs Good+ credit

Why it wins

• Still delivers meaningful first-year upside from the welcome offer.

Watch for

• Foreign transaction fees make it weaker for international spend.

Build a plan around this card View offer details

American Express

Blue Business Cash Card from American Express

No-fee keeperBusiness

Year One

$593

Welcome offer + annual rewards + usable credits - fee

Ongoing Year

$593

Annual rewards + usable credits - fee

Annual Rewards

$593

2.00% effective return

Welcome Offer

None

Current listed first-year bonus value

Usable Credits

None

Discounted by your credit-usage assumption

Bonus Hurdle

No listed hurdle

Needs Good+ credit

Why it wins

• No standout edge under the current assumptions.

Watch for

• Foreign transaction fees make it weaker for international spend.
• There is no meaningful active welcome offer in the current dataset.

Build a plan around this card View offer details

Spend Mix Math

Where the value actually comes from

Category returns are based on the spend mix you entered, your point-value assumption, and a discounted view of recurring credits.

CategoryAnnual SpendInk Business Unlimited Credit CardBlue Business Cash Card from American Express

Dining

1.5%

$5,400

$81

1.50%

$108

2.00%

Groceries

1.5%

$7,800

$117

1.50%

$156

2.00%

Travel

1.5%

$3,000

$45

1.50%

$60

2.00%

Gas

1.5%

$1,920

$29

1.50%

$38

2.00%

Online Shopping

1.5%

$2,640

$40

1.50%

$53

2.00%

Streaming

1.5%

$480

1.50%

$10

2.00%

General

1.5%

$8,400

$126

1.50%

$168

2.00%

Raw Breakdown

Full side-by-side details

Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.

Annual Fee

Ink Business Unlimited Credit Card

Blue Business Cash Card from American Express

Free

Rewards

Ink Business Unlimited Credit Card

Blue Business Cash Card from American Express

All

1.5%2%

Welcome Offer

Ink Business Unlimited Credit Card

Blue Business Cash Card from American Express

$750 credit

Spend $6,000 in 3 mo

—

Benefits

Ink Business Unlimited Credit Card

Blue Business Cash Card from American Express

—

5 benefits

—

4 benefits

Quick Facts

Ink Business Unlimited Credit Card

Blue Business Cash Card from American Express

Foreign Tx Fee

3%2.7%

Credit Needed

goodgood

Network

visaamex

Reward Type

cashbackcashback