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Side-by-side

Blue Business Cash Card from American Express vs Chime Credit Builder Secured Visa

Both are well-respected travel cards. The Blue Business Cash Card from American Express comes from American Express at $0/yr; the Chime Credit Builder Secured Visa from Chime at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBlue Business Cash Card from American ExpressChime Credit Builder Secured Visa
Annual fee$0$0
Sign-up bonus$250 statement creditNone
Bonus value (est.)$250$0
Min spend to unlock bonus$3,000 in 3 mo$0 in 0 mo
IssuerAmerican ExpressChime
Card categorybusinesssecured
Best earning category (All_purchases_first_50k_per_year)2x1x
Transfer partnersNoneNone
Headline benefits
  • 2% cash back up to $50K/yr
  • $0 annual fee
  • 0% intro APR 12 months
  • Auto-credited to statement
    Read the full review
    Blue Business Cash Card from American Express
    $0/yr · $250 statement credit
    Read the full review
    Chime Credit Builder Secured Visa
    $0/yr · None

    Editorial take: Blue Business Cash Card from American Express

    The cash-back twin of the Blue Business Plus. Same 2% catch-all up to $50K/year, but you get automatic statement credit instead of Membership Rewards points. Simpler for businesses that don't want to manage a points balance; less ceiling than the Plus for transfer-partner redemptions.

    Editorial take: Chime Credit Builder Secured Visa

    Common questions

    Which card has the bigger sign-up bonus, Blue Business Cash Card from American Express or Chime Credit Builder Secured Visa?
    The Blue Business Cash Card from American Express has the bigger bonus, $250 statement credit, worth roughly $250, versus None (~$0) on the Chime Credit Builder Secured Visa.
    Is the Blue Business Cash Card from American Express's $0 annual fee worth it compared to the Chime Credit Builder Secured Visa?
    The Blue Business Cash Card from American Express has no annual fee, so the question is whether the Chime Credit Builder Secured Visa's $0 fee is justified by its perks. If you'll use enough of the Chime Credit Builder Secured Visa's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Blue Business Cash Card from American Express.
    Can I have both the Blue Business Cash Card from American Express and Chime Credit Builder Secured Visa?
    Yes, since they're from different issuers (American Express and Chime) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Blue Business Cash Card from American Express or the Chime Credit Builder Secured Visa first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Cash Card from American Express: $3,000 spend in 3 months. Chime Credit Builder Secured Visa: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.