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 (8/10 vs 7.6/10).
| Scored on | American Express Business Gold | Chase Ink Business Unlimited |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 9 |
| Fees & pricing | 6 | 9 |
| Customer support | 7 | 7 |
| Features | 9 | 7 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | 3% of each transaction in U.S. dollars |
| Employee Card Fee | $0 up to 99 cards | — |
| Late Payment Fee | Up to $39 or 2.99% | Up to $40 |
| Purchase APR | 19.49% - 28.49% (Variable) | 18.49% - 24.49% variable |
American Express Business Gold in one paragraph
A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
Skip it if: Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
Chase Ink Business Unlimited in one paragraph
The best no-fuss foundation for a business owner who wants simple rewards without an annual fee.
Skip it if: You frequently buy inventory from international vendors or travel abroad, as the 3% foreign transaction fees will negate your rewards.
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 (8/10 vs 7.6/10). The best no-fuss foundation for a business owner who wants simple rewards without an annual fee.
Who should skip American Express Business Gold?
Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
Who should skip Chase Ink Business Unlimited?
You frequently buy inventory from international vendors or travel abroad, as the 3% foreign transaction fees will negate your rewards.