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
  • 2% cash back on all eligible purchases (on up to $50,000 per year, then 1%)
  • 2X points on up to $50,000 in purchases per year, then 1X points
  • 2X points on prepaid rental cars through Amex Travel portal
  • 1X points on all other purchases
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. To better evaluate these business credit cards, we’ll compare them in several categories.

Which card earns the most?

The Blue Business Cash and Blue Business Plus earn the same base rate: 2 percent cash back on up to $50,000 spent annually or 2 points per dollar on up to $50,000 spent annually.

While the base earning power is the same, the Membership Rewards points earned through Blue Business Plus have more potential value when it comes time to redeem them.

Amex Blue Business Cash vs. Amex Blue Business Plus spending example

Let’s say you spend $20,000 on your Blue Business Cash card in a year. At 2 percent cash back, that means you will earn $400 cash back in statement credits.

Now, say you spend the same $20,000 with Amex Blue Business Plus card to earn a total of 40,000 Amex Membership Rewards points. If you plan on transferring those points to a high-value travel partner, we consider each point as being worth around 2.0 cents each. At that rate, your rewards will be worth $800 — which means you’ll get $400 more in value for spending the same amount.

But what if you didn’t redeem them with a high-value travel partner? The value of your Membership Rewards points depends on how you redeem them, which means you can earn much less than $800.

If you simply wanted to redeem your points earned with you Blue Business Plus as a statement credit, those 40,000 points will only be worth 0.06 cents each, according to Amex, which means you’d get a total of $240 in value. That makes the Blue Business Cash the better choice in this scenario.

Choosing the right business card for you comes down to how you expect to use your rewards. If statement credits are what you’re after, the better value comes with Blue Business Cash. If you intend to redeem your rewards for travel using American Express’ transfer partners, Blue Business Plus fits the bill.

Why should you get Amex Blue Business Cash?

Offering no annual fee and a solid welcome offer, the Amex Blue Business Cash is a good fit for business owners wanting to earn cash back without adding additional costs. Here are some more reasons to choose the Amex Blue Business Cash.

Additional benefits

Online applications for the Amex Blue Business Cash are processed quickly, so you can find out if you’ve been approved in as little as 30 seconds. Other benefits include purchase protection, extended warranty coverage and Expanded Buying Power.

Amex’s Expanded Buying Power allows you to spend beyond your credit limit with no over-the-limit fee in the event you are faced with a sudden expense or an opportunity too good to pass up. Amex evaluates these purchases on a case-by-case basis, and the amount you can go over your credit line is not unlimited.

This card also allows you to get employee cards at no additional cost, as well as the ability to select spending limits for each card. Additionally, you can choose an account manager for your card to help handle the account. This can free up your time to focus on other aspects of your business.

Redemption options

When it comes to redeeming your rewards from the Amex Blue Business Cash, options are limited to an automatic statement credit up to two billing cycles after your billing statement. While many cash back cards offer options such as a direct deposit or check, the Amex Blue Business Cash does not offer this flexibility.

Recommended credit score

To increase your odds of approval, a good to excellent credit score (a FICO score of 670 to 850) is recommended for this card.

Why should you get Amex Blue Business Plus?

The Amex Blue Business Plus is a solid choice for business owners who want to earn flexible rewards without an annual fee. Here are some more things to consider before applying for the card.

Additional benefits

The benefits for the Blue Business Plus mostly mirror those of the Blue Business Cash. You’ll have access to Expanded Buying Power, account manager designation and employee cards — as well as features like auto rental coverage, extended warranty protection and purchase protection.

Redemption options

The Amex Blue Business Plus offers a lot of flexibility in terms of how you can redeem your rewards. The most valuable way to redeem your Amex Membership Rewards points is to transfer them to Amex’s travel partners. You can, however, also redeem them for:

  • Travel booked through the American Express portal,
  • Statement credits
  • Gift cards
  • Merchandise
  • Purchases with select merchants like Amazon or Best Buy

Keep in mind that you won’t get as much value from your points by redeeming them for these options.

Recommended credit score

Good to excellent credit (between 670 and 850) is recommended for this card.

The bottom line

The Amex Blue Business Cash and Amex Blue Business Plus are both solid business credit cards for business owners who don’t plan to spend more than $50,000 per year. The right choice for you will depend on whether you prefer to receive your rewards in the form of cash back or Membership Rewards points.

Some business owners prefer the simplicity of cash back, while others want the flexibility that rewards points can offer. Still, before making a decision, be sure to check out other top business credit cards to see if another card may work better for you.

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