First-year winner
Ink Business Unlimited Credit Card
$604 Year 1 edge
$1,187 vs $583
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Ink Business Unlimited Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Auto Rental Collision Damage Waiver
Rental Car · No listed cash value
Can provide theft and collision coverage for eligible rental vehicles used for business purposes.
Perk
Purchase Protection
Purchase Protection · No listed cash value
Can help protect eligible new purchases against damage or theft for a limited period after purchase.
Perk
Extended Warranty Protection
Extended Warranty · No listed cash value
Can extend the original U.S. manufacturer's warranty on eligible purchases.
Perk
Travel and Emergency Assistance Services
Travel Insurance · No listed cash value
Access to emergency referrals and support while traveling away from home.
Perk
Roadside Dispatch
Other · No listed cash value
Access to a pay-per-use roadside assistance dispatch service.
Card B
Blue Business Cash Card from American Express
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Amex Offers Access
Other · No listed cash value
Eligible cardholders can add targeted Amex Offers for statement credits or bonus rewards with participating merchants.
Perk
Purchase and Warranty Protections
Purchase Protection · No listed cash value
American Express cards commonly include purchase-protection and extended-warranty style coverage on eligible purchases.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Perk
Business Account Controls
Other · No listed cash value
Business cards usually include account-management tools that help separate company spend and monitor employee purchases.
Verdict
Ink Business Unlimited wins year 1. Blue Business Cash Card from American Express wins long term.
Winner after year 1
Blue Business Cash Card from American Express
$146 ongoing edge
$583 vs $437
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Chase
Ink Business Unlimited Credit Card
Year One
$1,187
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$437
Annual rewards + counted benefits - fee
Annual Rewards
$437
1.50% effective return
Welcome Offer
$750
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$6,000
3 mo window · $2,000/mo pace · Doable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
Watch for
- • Foreign transaction fees make it weaker for international spend.
American Express
Blue Business Cash Card from American Express
Year One
$583
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$583
Annual rewards + counted benefits - fee
Annual Rewards
$583
2.00% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
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.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
1.5%
$5,400
Ink Business Unlimited
$81
1.50%
Blue Business Cash Card from American Express
$108
2.00%
Groceries
1.5%
$7,800
Ink Business Unlimited
$117
1.50%
Blue Business Cash Card from American Express
$156
2.00%
Travel
1.5%
$3,000
Ink Business Unlimited
$45
1.50%
Blue Business Cash Card from American Express
$60
2.00%
Gas
1.5%
$1,920
Ink Business Unlimited
$29
1.50%
Blue Business Cash Card from American Express
$38
2.00%
General
1.5%
$11,040
Ink Business Unlimited
$166
1.50%
Blue Business Cash Card from American Express
$221
2.00%
Total annual spend
$29,160 across this mix
Ink Business Unlimited$437
Blue Business Cash Card from American Express$583
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.
| Metric | Ink Business Unlimited Credit Card | Blue Business Cash Card from American Express |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | 3% | 2.7% |
| Rewards | ||
| All rewards | 1.5% | 2% 2% cash back on the first $50,000 in eligible purchases each calendar year, then 1%. |
| Offer | ||
| Welcome offer | $750 credit Spend $6,000 in 3 mo | — |
| Benefits | ||
| Estimated benefits | 5 listed | 4 listed |
| Benefit highlights | Auto Rental Collision Damage Waiver · Purchase Protection · Extended Warranty Protection · +2 more | Amex Offers Access · Purchase and Warranty Protections · No Annual Fee · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | amex |
| Reward type | Cashback | Cashback |
Costs
Annual fee
Ink Business Unlimited Credit Card
Free
Blue Business Cash Card from American Express
Free
Foreign transaction fee
Ink Business Unlimited Credit Card
3%
Blue Business Cash Card from American Express
2.7%
Rewards
All rewards
Ink Business Unlimited Credit Card
1.5%
Blue Business Cash Card from American Express
2%
2% cash back on the first $50,000 in eligible purchases each calendar year, then 1%.
Offer
Welcome offer
Ink Business Unlimited Credit Card
$750 credit
Spend $6,000 in 3 mo
Blue Business Cash Card from American Express
—
Benefits
Estimated benefits
Ink Business Unlimited Credit Card
5 listed
Blue Business Cash Card from American Express
4 listed
Benefit highlights
Ink Business Unlimited Credit Card
Auto Rental Collision Damage Waiver · Purchase Protection · Extended Warranty Protection · +2 more
Blue Business Cash Card from American Express
Amex Offers Access · Purchase and Warranty Protections · No Annual Fee · +1 more
Profile
Credit needed
Ink Business Unlimited Credit Card
Good
Blue Business Cash Card from American Express
Good
Network
Ink Business Unlimited Credit Card
visa
Blue Business Cash Card from American Express
amex
Reward type
Ink Business Unlimited Credit Card
Cashback
Blue Business Cash Card from American Express
Cashback