The American Express Blue Business Plus and the Chase Ink Business Unlimited are two fantastic options for business owners and entrepreneurs. Neither card has an annual fee and they are designed for entrepreneurs who want to travel.

Keep reading to see which blue card edges out the other for a potential wallet top slot.


Sign-Up Bonus

The Ink Unlimited wins handily in this category as it’s the only card of the two to have a public bonus. It offers 50,000 Ultimate Rewards (UR) points after spending $3,000 in the first three months. That is the same amount of points offered by both Sapphire cards for $1,000 less minimum spend.

The Blue Business Plus does not have a bonus. But there have been small bonuses as high as 20,000 Membership Rewards (MR) points in the past.



The name of the game here is simplicity as both cards earn their respective currencies at flat rates.

The Amex card earns 2x MR points on all purchases. However, this elevated flat rate only counts for the first $50,000 in annual expenses. This threshold resets each new calendar year. If you spend more than $50,000, all other expenses will earn only one MR point.

The Chase card earns 1.5x UR points (or 1.5% cash back) on all purchases. But this card earns without any spend limitations, hence its name.

You must consider how much you value each currency before selecting a card. Some people value both equally, which is understandable since both have some common partners. Gary from View From The Wing said in a recent post that he has the Ink Unlimited, but wants to get the Blue Business Plus. He also said this about using the Chase Freedom Unlimited (which has the same earning structure as the Ink Unlimited):

“I’m giving up 2 Membership Rewards points per dollar spent on up to $50,000 in purchases. As a result, I’m 25,000 points poorer than I could be each year.”

Gary’s argument assumes that both currencies have equal value. And it puts forth the notion that you can earn more points faster if you use the Blue Business Plus for the first $50,000 of non-bonus spend. His argument is valid if you spend less than $50,000 per year and value MR points the same as or greater than UR points.

If you value UR points more, the Chase Ink Unlimited wins. You will get more value out of $50,000 in spend.



Both cards earn different points currencies, meaning that they have access to different transfer partners.

The Blue Business Plus is one of two Amex cards that have no annual fee and direct access to Amex’s transfer partners. It’s also the only no annual fee business card with such access. This is huge for small business owners and entrepreneurs who want to redeem points for flights.

If you have the Ink Unlimited by itself, cash back and gift cards are your only two redemption options. Points are worth 1 cent each when redeemed for either option. Sometimes, Chase discounts some of their gift card options, enabling cardholders to redeem for more than 1 CPP.

You need to also have either Sapphire card or the Chase Ink Preferred to transfer UR points to partners. This is the best way to redeem points earned using the Ink Unlimited. A potential Chase combo could be very valuable if you don’t mind having multiple cards and optimizing. But

The Amex Blue Business Plus wins this category because of its direct access to travel partners. Unlike the Ink Unlimited, it’s not inherently a cash back card.



Neither of these cards are known for their perks. This is especially true because they have no annual fee and can be used as supplementary cards for travel.

The only noteworthy perk is the QuickBooks access that comes with the Blue Business Plus. This is becoming a standard perk amongst Amex business cards, but it’s not a common perk across all business cards.


Final Draw

Small business owners and entrepreneurs rejoice! The Amex Blue Business Plus and Chase Ink Business Unlimited are fantastic options if you want to travel.

The Blue Business Plus is the clear winner as a standalone card. It earns more points faster if you spend less than $50,000 per year. Also, it has direct access to Amex’s travel partners, meaning that you don’t need any additional MR-earning cards.

The Ink Unlimited wins if you value the Chase UR “ecosystem” highly or if you want a nice sign-up bonus. Furthermore, you will derive more value from the Chase combo if you have either Sapphire card or the Ink Preferred  as well. And if you want a similar personal alternative to the Ink Unlimited, try the Freedom Unlimited card.

Think about your annual expenses and how you want to redeem you points. Consider whether you like one “ecosystem” more than another and which partners you want to use. When used properly, both cards can be great “workhorses” for your business’ wallet.

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