American Express Plum Card vs Ink Business Unlimited® Credit Card

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Plum Card is a business and cash back charge card. How does it compare to Ink Business Unlimited from Chase, a cash back card? Read our comparison chart below.

Keep in mind, the American Express Plum Card has a $250 annual fee, while the Ink Business Unlimited has a $0 annual fee.

	The Plum Card® from American Express	Ink Business Unlimited® Credit Card

	Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0% introductory APR for 12 months
Purchase APR	N/A	17.99% to 23.99% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	17.99% to 23.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	No foreign transaction fee	3% of each transaction in U.S. dollars
Annual Fee	$250 annual fee	$0 annual fee
	Card Rewards & Benefits
Introductory Bonus Cash Back		Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Cash Back Rewards		Earn unlimited 1.5% cash back on every purchase made for your business
	CreditDonkey® Card Reviews
Pros & Cons		Pros: Earn $750 bonus cash back 1.5% unlimited cash back Cons: Foreign transaction fee
Bottom Line		Excellent 1.5% cash back credit card for business... Read full review

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Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing American Express Plum Card or Ink Business Cash.

Articles on Ink Business Unlimited® Credit Card

Chase Ink Unlimited

Chase Ink Business Unlimited® card offers a huge sign-up bonus, 1.5% cash back on all purchases, and no annual fee. Read on for the pros and cons.

Comments

John from Pennsylvania
on March 2012 said about American Express Plum Card:
I just got the Plum Card and was made aware of something that the Customer Service Rep wasn't aware of until I pressed the issue and he had to find out the answer from a supervisor:

The 1.5% is strictly applied to payments within the first 10 ten days after the monthly cycle closes. The caveat there is that payments made during the monthly cycle do not get the discount reward. That's an important distinction that will not necessarily be clear to anyone reading about the card and I think you should know that. I now realize that if I pay "too early", the discount doesn't apply. I was very disappointed. AMEX charge cards may not have a preset limit but they do have limits based on spending patterns. If I have $5000 available and use that in the first week of the monthly cycle on unforeseen expenses with several auto-debits still to come, I need to pay down the balance quickly within a few days and thus NOT get the discount on that payment. The discount only applies to the ENDING BALANCE. Now, if you have a stratospheric limit on the card, it won't matter. But for many small business owners juggling expenses and spending limits while trying to get maximum rewards, this can and will be a nuisance. Applicant beware.

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