Being among the best credit card options for small businesses, we compare the American Express Blue Business Plus Credit Card and American Express Blue Business Cash Card in terms of their benefits, features, fees, rewards and other factors to help you determine which one is better suited for your needs.

They both have striking similarities, such as both having no annual fee, a 0% introductory offer for purchases for 12 months and the ability to spend over your credit limit. However, they also provide different benefits that we will look further into.

Comparison Overview: American Express Blue Business® Plus Credit Card vs. American Express Blue Business® Cash Card

  • American Express Blue Business® Plus Credit Card
    American Express Blue Business® Cash Card
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
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  • Cash Back Rewards
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  • Travel Rewards
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American Express Blue Business® Plus Credit Card At a Glance

The American Express Blue Business Plus Credit Card has no annual fee, offers great rewards and gives leeway for spending flexibility. It also features a 0% introductory APR on purchases for the first 12 months then a subsequent variable rate from 13.24% to 19.24% based on your creditworthiness. You can earn 2x points on the first $50,000 spent (1x points thereafter) in purchases every year.


  • American Express Blue Business® Plus Credit Card

    Great no-annual-fee card for earning rewards on business spending


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 2 Miles per $1*Rewards Rate
    • 1xRewards Rate on TV, Phone, Internet Services
    • 1xRewards Rate on Online Shopping

    Terms, rates and fees apply

    Compare this credit card with other top-rated credit cards at CardRatings.com.

American Express Blue Business® Cash Card At a Glance

The American Express Blue Business Cash Card offers 2% cashback on the first $50,000 each year and 1% thereafter. It offers a generous introductory rate of 0% for the first 12 months, then a 13.24% to 19.24% variable rate; which is still lower than most business cards. You also get to enjoy expanded buying power which lets you spend beyond your credit limit.


  • American Express Blue Business® Cash Card

    A simple cash back rewards card that helps you avoid hassles


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1–2% Cash Back*Rewards Rate
    • 1xRewards Rate on TV, Phone, Internet Services
    • 1xRewards Rate on Gas

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Comparison Summary

We listed the similarities and differences between the American Express Blue Business Cash Card and American Express Blue Business Plus Credit Card to help you decide which card to pick.

  • Card Detail
    Comparison Summary
  • Travel Coverage and Purchase Protection

    The American Express Blue Business Plus Credit Card provides purchase protection of up to $1,000 per occurrence and up to $50,000 per cardmember account per year.

    The American Express Blue Business Cash Card offers similar purchase protection coverage together with car rentalinsurance as well as a global assist hotline.

    Winner: American Express Blue Business Cash Card

  • Welcome Bonus

    American Express Blue Business Plus Credit Card provides a welcome bonus of 15,000 membership rewards points after spending $3,000 in eligible purchases within your first three months.

    Meanwhile, American Express Blue Business Cash Card lets you earn $250 statement credit after also spending $3,000 in your first three months. The $250 statement credit might have more value than 15,000 points but adding the reward points might allow for a bigger redemption.

    Winner: Tie

  • Rewards

    The American Express Blue Business Plus Credit Card lets you earn reward points fast with its 2x points on any category on the first $50,000 spent per year, then 1x point thereafter.

    American Express Blue Business Cash Card, on the other hand, earns you a reward in the form of 2% cashback on all eligible purchases for up to $50,000 per year then 1% after which is automatically credited to your statement.

    Whether reward points or cashback is more useful depends on the user’s preferences and spending habits. However, American Express Membership Rewards are generally valued at 2 cents per point.

    Winner: American Express Blue Business Plus Credit Card

  • Annual Fee

    The American Express Blue Business Plus Credit Card and American Express Blue Business Cash Card both do not have annual fees.

    Winner: Tie

  • Loyalty Programs

    The American Express Blue Business Plus Credit Card offers more varied rewards to be redeemed for its loyalty programs as opposed to American Express Blue Business Cash Card users who only receive cashback.

    Winner: American Express Blue Business Plus Credit Card

Which Card Should You Get?

The deciding factor whether to choose the American Express Blue Business Cash Card or American Express Blue Business Plus Credit Card is the reward points vs cashback system. We’ll get into more details on who would benefit from each card.

Who Should Consider the American Express Blue Business® Plus Credit Card?

The American Express Blue Business Plus Credit Card is well-suited for small business owners who don’t like paying for annual fees, but want to maximize points earnings across different categories. This card is also the better option for those who are looking to spend Membership Rewards points instead of simply receiving cashback.

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    The American Express Blue Business Plus Credit Card is ideal for small business owners who plan on spending a significant amount in the first year and need a break for paying.

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    The card is also for business owners who think they won’t reach the $50,000 annual limit since the rewards are sliced in half afterwards.

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Who Should Consider the American Express Blue Business® Cash Card?

The American Express Blue Business Cash Card is suited for small business owners who want to enjoy benefits through a simple reward system like: 2% cashback on the first $50,000 spending and 1% afterward. The cardholder doesn’t have to worry about redeeming rewards as well because the cashback is automatically credited.

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    The American Express Blue Business Cash Card is well-suited for people who don’t care to maximize travel rewards.

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    The card is also ideal for small business owners who spend over their credit limit and have purchase needs across different categories.

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EXPERT OPINION

The Blue Business Plus card is a much more valuable card, if you’re willing to take a few extra steps to redeem your Membership Rewards at a high rate. If that isn’t of interest to you, there’s nothing wrong with the Blue Business Cash Card for your everyday purchases.

Other Helpful Decision-Making FAQs

You may still have some questions choosing between the American Express Blue Business Plus Credit Card and American Express Blue Business Cash Card. We’ve provided answers to some of the most frequently asked questions.

Still Not Sure About These Cards? Consider These Options

While the American Express Blue Business Plus Credit Card and American Express Blue Business Cash Card are solid credit cards for small business owners, there are other valuable business credit cards to choose from if these options don’t fit your needs.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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