American Express Business Gold vs Chase Ink Business Cash: which one fits your business?
Side-by-side comparison of American Express Business Gold and Chase Ink Business Cash — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Cash wins on our scorecard (8.2/10 vs 7.5/10).
| Scored on | American Express Business Gold | Chase Ink Business Cash |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 10 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $375 | — |
| Foreign Transaction Fee | $0 | — |
| Late Payment Fee | Up to $39 | — |
| Additional Employee Cards | $0 for first 99 cards | — |
| Annual fee | — | $0 |
| Foreign transaction fee | — | 3% |
| Purchase APR | — | 18.49% - 24.49% variable |
| Late payment fee | — | Up to $40 |
American Express Business Gold in one paragraph
The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Skip it if: Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
Chase Ink Business Cash in one paragraph
The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Skip it if: Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
Frequently asked questions
Which is better, American Express Business Gold or Chase Ink Business Cash?
On our five-axis scorecard, Chase Ink Business Cash scores higher (8.2/10 vs 7.5/10). The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Who should skip American Express Business Gold?
Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
Who should skip Chase Ink Business Cash?
Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.