American Express Business Gold vs Chase Ink Business Unlimited: which one fits your business?
Side-by-side comparison of American Express Business Gold and Chase Ink Business Unlimited — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Unlimited wins on our scorecard (8.5/10 vs 7.5/10).
| Scored on | American Express Business Gold | Chase Ink Business Unlimited |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 8 | 9 |
| Fees & pricing | 6 | 10 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Late Payment Fee | Up to $39 | $40 |
| Additional Employee Cards | $0 for first 99 cards | — |
| Introductory APR | — | 0% for 12 months |
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 Unlimited in one paragraph
The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Skip it if: Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
Frequently asked questions
Which is better, American Express Business Gold or Chase Ink Business Unlimited?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8.5/10 vs 7.5/10). The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
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 Unlimited?
Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.