Chase Ink Business Unlimited vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of Chase Ink Business Unlimited 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 Unlimited wins on our scorecard (8/10 vs 7.1/10).
| Scored on | Chase Ink Business Unlimited | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 7 | 6 |
| Features | 7 | 8 |
| Annual Fee | $0 | $250 |
| Foreign Transaction Fee | 3% | $0 |
| Purchase APR | 18.49% - 24.49% Variable | — |
| Late Payment Fee | Up to $40 | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | $39 or 2.99% |
Chase Ink Business Unlimited in one paragraph
A reliable, no-fuss 1.5% cash back workhorse that shines when paired with other Chase cards but loses its luster for international spending.
Skip it if: You frequently pay international vendors or travel abroad, as the 3% foreign transaction fee wipes out all rewards.
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 Unlimited or The Plum Card from American Express?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8/10 vs 7.1/10). A reliable, no-fuss 1.5% cash back workhorse that shines when paired with other Chase cards but loses its luster for international spending.
Who should skip Chase Ink Business Unlimited?
You frequently pay international vendors or travel abroad, as the 3% foreign transaction fee wipes out all rewards.
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.