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Compare the Features and Benefits of The Blue Business® Plus Credit Card from American Express and
The American Express Blue Business Cash™ Card

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
Does Not Report Credit Line to Personal Credit Profile
Amex Offers
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
Ongoing APR
18.49%-26.49% (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
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
Does Not Report Credit Line to Personal Credit Profile
no
Amex Offers
no
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
Ongoing APR
18.49%-26.49% (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
2x U.S. Electronic Goods Retailers / Software / Cloud System Providers
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) 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

The American Express Blue Business Cash business credit card is a great card for those who are both not interested in points (prefer cash back) and do not want to keep track of bonus categories.

With a simple 2% cash back on all eligible purchases until you reach $50,000 in spend in a calendar year, it’s a perfectly suitable cash back card for those that spend under $50,000 in a calendar year for their business. Though the rate will drop to 1% on eligible purchases after you spend $50,000 in a calendar year, there is no limit to the amount of cash back that you can earn.

cash-back-american-express-blue-business-cash-card-review
If you prefer American Express Membership Rewards points instead of cash, there is a nearly identical version of this credit card, called the American Express Blue Business Plus™ Card, which earns Membership Rewards points instead of cash at the same rate.

Keep in mind that this no-annual fee card does charge a 2.7% foreign transaction fee, so please make sure you have a separate credit card with no foreign transaction fees for your trips abroad.

If you spend more than $50,000 a year, however, and want straight cash back and expanded buying power, you should consider these two alternative business credit cards:

  • The Chase Ink Business Premier, which is a charge card with no preset limit and earns 2% cash back on everything and even earns 2.5% cash back on purchases over $5,000.
  • The Capital One Spark Cash Plus, which is a charge card with no preset limit that earns 2% on all purchases.

If you would like to have separate Blue Business Cash cards for your employees, you can do so with no fee.

Rates and Fees for the The American Express Blue Business Cash™ Card

Read more
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
Does Not Report Credit Line to Personal Credit Profile
yes
Amex Offers
yes

Learn more about these cards today

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