Key takeaways
- Neither The American Express Blue Business Cash™ Card nor The Blue Business® Plus Credit Card from American Express charge an annual fee, so either one could add a tool to your business toolbox without costing you extra to carry them.
- Both business cards offer rewards, but the Blue Business Cash exclusively offers cash back in the form of statement credits, while the Blue Business Plus offers Membership Rewards points that you can redeem in various ways.
- These cards also both feature an introductory APR offer on purchases.
The American Express Blue Business Cash™ Card and The Blue Business® Plus Credit Card from American Express offer a similar list of benefits for business owners. The main difference is that the Amex Blue Business Cash earns cash back in the form of statement credits, while the Amex Blue Business Plus earns American Express Membership Rewards points.
The best card for you will depend on how you prefer to receive your rewards and, perhaps, whether you have other Membership Rewards-earning cards in your wallet. Read on to find out the details of these cards, how their rewards compare and how to make the best decision for your business.
Main details
| Amex Blue Business Cash | Amex Blue Business Plus | |
|---|---|---|
| Welcome offer | Earn a $250 statement credit after making $3,000 in purchases during the first 3 months after account opening | Earn 15,000 Membership Rewards points after making $3,000 in purchases during the first 3 months after account opening |
| Rewards rate |
|
|
| Intro APR | 0% intro APR on purchases for 12 months (18.49% – 26.49% variable APR thereafter) | 0% intro APR on purchases for 12 months (18.49% – 26.49% variable APR thereafter) |
| Annual fee | $0 | $0 |
| Foreign transaction fee | 2.7% on foreign transactions | 2.7% on foreign transactions |
Amex Blue Business Cash vs. Amex Blue Business Plus highlights
Whether you choose the Amex Blue Business Cash or Amex Blue Business Plus will depend on how you prefer to receive your rewards. In order to make a more thorough assessment of these business credit cards, we will compare them based on several categories.
Both cards have their own advantages, so it ultimately depends on your spending habits and how you plan to redeem your rewards.