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VS

Compare the Features and Benefits of The Blue Business® Plus Credit Card from American Express and
Capital One Savor Rewards for Students

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
Extended Warranty
0% Intro APR on Purchases
Secondary Car Rental CDW Waiver
Purchase Protection
Does Not Report Credit Line to Personal Credit Profile
Travel and Emergency Assistance Services
No Fees for Authorized Users
Free Access to Credit Score
No Foreign Transaction Fees
Trip Protections
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
APR on purchases
0% Intro APR (on purchases for 12 months, 17.74%-25.74% thereafter)
Ongoing APR
17.74%-25.74% (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
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.28) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

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

Read more
Unique Card Benefits
yes
Extended Warranty
yes
0% Intro APR on Purchases
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes
No Foreign Transaction Fees
no
Trip Protections
no
Annual Fee
$0
Avg. Min. Credit Score
580-850
APR on purchases
-
Ongoing APR
19.74%-29.74% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
5x Car Rentals
5x Hotels
3x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
You’ll earn $50 after you spend $100 in your first three months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.13) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

As far as student credit cards go, the Capital One Savor Student Cash Rewards Credit Card is a winner.

It’s got the most bonus categories of any student cash back rewards credit card, with 8% cash back for Entertainment booked through Capital One Entertainment, 5% cash back on travel booked via Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target) and 1% cash back on all other eligible purchases.

grocery-stores-capital-one-savorone-student-cash-rewards-credit-card

You’ll also get a small cash bonus when you meet the terms of the Early Spend Bonus with your new card.

Most importantly, you’ll be building credit while also earning valuable rewards with no annual fee.

If you don’t spend a lot on dining, entertainment, streaming services and at grocery stores, you might prefer the Capital One Quicksilver Student Cash Rewards Credit Card, which lacks bonus categories but earns 1.5% cash back on all eligible purchases – 0.5% more than the Savor One Student credit card on non-bonused spend.

In short, it’s one of the best student credit cards around.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
0% Intro APR on Purchases
no
Secondary Car Rental CDW Waiver
no
Purchase Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
Travel and Emergency Assistance Services
no
No Fees for Authorized Users
no
Free Access to Credit Score
no
No Foreign Transaction Fees
yes
Trip Protections
yes

Learn more about these cards today

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