Chase Ink Business Cash vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of Chase Ink Business Cash and The Plum Card from American Express — 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 7.3/10).
| Scored on | Chase Ink Business Cash | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 10 | 7 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Annual fee | $0 | — |
| Foreign transaction fee | 3% | — |
| Purchase APR | 18.49% - 24.49% variable | — |
| Late payment fee | Up to $40 | — |
| Annual Fee | — | $250 (waived first year) |
| Early Pay Discount | — | 1.5% |
| Foreign Transaction Fee | — | $0 |
| Late Fee | — | Up to 2.99% of past due amount |
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.
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
Frequently asked questions
Which is better, Chase Ink Business Cash or The Plum Card from American Express?
On our five-axis scorecard, Chase Ink Business Cash scores higher (8.2/10 vs 7.3/10). The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
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.
Who should skip The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.