Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs Chase Ink Business Unlimited
Both are business travel cards. The American Express Business Gold comes from American Express at $375/yr; the Chase Ink Business Unlimited from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($1,050 more in estimated value) than the Chase Ink Business Unlimited's. Get the American Express Business Gold first; revisit the Chase Ink Business Unlimited after you've earned that bonus.
| Feature | American Express Business Gold | Chase Ink Business Unlimited |
|---|---|---|
| Annual fee | $375 | $0 |
| Sign-up bonus | 100,000 Membership Rewards points | $750 bonus cash back |
| Bonus value (est.) | $1,800 | $750 |
| Min spend to unlock bonus | $15,000 in 3 mo | $6,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | business | business |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | chase-ur |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
Chase Ink Business Unlimited
$0/yr · $750 bonus cash back
Editorial take: Chase Ink Business Unlimited
The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category.
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Chase Ink Business Unlimited?
- The American Express Business Gold has the bigger bonus, 100,000 Membership Rewards points, worth roughly $1,800, versus $750 bonus cash back (~$750) on the Chase Ink Business Unlimited.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Chase Ink Business Unlimited?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Ink Business Unlimited's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Chase Ink Business Unlimited?
- Yes, since they're from different issuers (American Express and Chase) 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 American Express Business Gold or the Chase Ink Business Unlimited first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Chase Ink Business Unlimited: $6,000 in 3 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.