Amazon Business Prime American Express Card vs The Blue Business® Plus Credit Card from American Express

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

APR on purchases

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

0% Intro APR on Purchases

Secondary Car Rental CDW Waiver

Purchase Protection

Extended Warranty

Travel and Emergency Assistance Services

No Fees for Authorized Users

Free Access to Credit Score

Amazon Business Prime American Express Card

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

APR on purchases

Ongoing APR

18.99%-26.99% (Variable)

Balance transfers fees

Best Multiplier

5x Amazon / Whole Foods

2x Gas Stations

2x Cellular Phone Service

2x Dining Out / Food Delivery

1x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Receive a $125 Amazon Gift Card when approved for this card with an eligible Amazon Prime membership.

Rating

(3.88) Our Review

Review

An obvious powerhouse for those with a lot of spend at Amazon and Whole Foods with 5% cash back if you hold an Amazon Prime membership.

Many spend tens of thousands a month with AWS web services and 5% cash back on that can be huge, especially when you consider that cash back earned on a credit card is considered a rebate on spend and is not taxable as income.

While we are generally partial to cards that earn transferrable bank points, heavy Amazon spenders will do well with the 5% offered here.

Rates and Fees for the Amazon Business Prime American Express Card. Terms Apply.

Unique Card Benefits

0% Intro APR on Purchases

Secondary Car Rental CDW Waiver

Purchase Protection

Extended Warranty

Travel and Emergency Assistance Services

No Fees for Authorized Users

Free Access to Credit Score

The Blue Business® Plus Credit Card from American Express

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

APR on purchases

0% Intro APR (on purchases for 12 months, 17.99%-25.99% thereafter)

Ongoing APR

17.99%-25.99% (Variable)

Balance transfers fees

Best Multiplier

2x Airfare

2x Transit

2x Car Rentals

2x Cable / Internet / VOIP Phone

2x Costco

2x Gas Stations

2x Cellular Phone Service

2x Dining Out / Food Delivery

2x Hotels

2x Lyft

2x Office Supplies

2x Shipping

2x Single Charges over $5,000

2x Groceries

2x Cruises

2x Drugstores

2x Streaming Services

2x Gym Memberships

2x Advertising (Online / TV / Radio)

2x Entertainment (Concerts / Shows / Movies)

2x Advertising on Search Engines and Social Media

Avg. Point Value
(Learn More)

$0.017

Bonus Offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

Rating

(4.28) Our Review

Review

With the Blue Business Plus, small businesses can maximize their everyday business purchases, whether it’s shopping for office supplies to paying for client dinners to restocking inventory. There’s no annual fee and a nice welcome bonus to boot.

You can earn valuable Membership Rewards points at a terrific rewards rate: 2x bonus points per dollar spent on all eligible purchases, up to the first $50,000 spent per year; 1X thereafter. This makes the Blue Business Plus a great fit for businesses who don’t want to keep up with confusing bonus categories and spend less than this $50,000 limit every year. Above all, American Express Membership Rewards points are acclaimed for flexibility, as you can redeem them for travel, gift cards, charges on your statement credits, and more.

While you’ll be assigned a credit limit upon account opening, you’ll have access to Amex’s unique expanded buying power tool. This gives you the flexibility to pay for expenses potentially above your credit limit, which is important for business owners who likely have thousands of dollars of expenses every year. You’ll also get access to a 0% introductory APR rate on purchases in the first 12 months of account opening.

There are also important business expense management tools that can help you keep track of your business’s annual revenue and expenditures. With complimentary access to QuickBooks and Vendor Pay by Bill.com, the Amex Blue Business Plus is a fantastic starter card whether you own a new business or have a side hustle.

Rates and Fees for the the Blue Business® Plus Credit Card

Unique Card Benefits

yes

0% Intro APR on Purchases

yes

Secondary Car Rental CDW Waiver

yes

Purchase Protection

yes

Extended Warranty

yes

Travel and Emergency Assistance Services

yes

No Fees for Authorized Users

yes

Free Access to Credit Score

yes