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 (7.6/10 vs 7.1/10).
| Scored on | Chase Ink Business Cash | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 5 | 6 |
| Features | 8 | 8 |
| Annual Fee | $0 | $250 |
| Intro APR | 0% for 12 months | — |
| Variable APR | 18.49% - 24.49% | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $40 | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | $39 or 2.99% |
Chase Ink Business Cash in one paragraph
The best $0-fee card for businesses that spend heavily on utilities and office supplies, provided you don't mind a personal credit check.
Skip it if: You spend significantly more than $25,000 a year in the bonus categories or travel internationally often.
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
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 (7.6/10 vs 7.1/10). The best $0-fee card for businesses that spend heavily on utilities and office supplies, provided you don't mind a personal credit check.
Who should skip Chase Ink Business Cash?
You spend significantly more than $25,000 a year in the bonus categories or travel internationally often.
Who should skip The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.