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 (8.5/10 vs 7.3/10).
| Scored on | Chase Ink Business Unlimited | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 10 | 7 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Annual Fee | $0 | $250 (waived first year) |
| Foreign Transaction Fee | 3% | $0 |
| Introductory APR | 0% for 12 months | — |
| Late Payment Fee | $40 | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
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.
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 Unlimited or The Plum Card from American Express?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8.5/10 vs 7.3/10). 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 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.
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.