American Express Business Platinum vs Chase Ink Business Unlimited: which one fits your business?
Side-by-side comparison of American Express Business Platinum 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 7/10).
| Scored on | American Express Business Platinum | Chase Ink Business Unlimited |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 6 | 9 |
| Fees & pricing | 5 | 10 |
| Customer support | 7 | 6 |
| Features | 9 | 8 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | None | 3% |
| Late Payment Fee | Up to $39 | $40 |
| Introductory APR | — | 0% for 12 months |
American Express Business Platinum in one paragraph
A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
Skip it if: Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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 Platinum or Chase Ink Business Unlimited?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8.5/10 vs 7/10). 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 Platinum?
Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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.