The American Express Blue Business Cash™ Card vs. The Blue Business® Plus Credit Card from American Express [2024]

I like both cards equally, so the defining factor comes down to whether you prefer earning cash back in the form of statement credits or travel rewards.

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Updated June 12, 2024
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The The American Express Blue Business Cash™ Card and The Blue Business® Plus Credit Card from American Express share a ton of similarities, which ultimately means that the better option depends on what form of rewards you prefer.

The Amex Blue Business Cash is great for earning cash back in the form of statement credit, while the Amex Blue Business Plus is better for earning travel rewards in the form of Membership Rewards. Personally, I chose the Amex Blue Business Plus for my business expenses since I prefer the broader redemption flexibility of Amex Membership Rewards points.

In this article

Key takeaways

  • The Amex Blue Business Cash has an annual fee of $0 (terms apply). The Amex Blue Business Plus has an annual fee of $0 (terms apply).
  • The Amex Blue Business Cash is more suitable for someone who wants a straightforward earning rate on business expenses that translate directly into cash rewards. The only redemption option available on this card is receiving statement credits.
  • The Amex Blue Business Plus also offers a simple earning rate. But it earns Membership Rewards points, which you can redeem in multiple ways, including booking travel, transferring to travel partners, statement credits, and more.
  • An essential difference between the statement credit redemption options for the two cards is that the Amex Blue Business Cash gives you a $10 statement credit for $10 of cashback rewards, while the Amex Blue Business Plus gives you a $6 statement credit for 1,000 Membership Rewards points.

Compare Amex Blue Business Cash vs. Amex Blue Business Plus

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card

5.0

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

4.9

Card type Business/Cash back Business/Travel
Annual fee $0 (terms apply) $0 (terms apply)
Welcome offer Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 3 months of card membership
Earning rate 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that
Redemption methods
  • Statement credit
  • Travel
  • Transfer partners
  • Statement credit
  • Cover card charges
  • Gift cards
  • Pay With Points
Intro APR 0% intro APR for 12 months on purchases (then 18.49% - 26.49% Variable) 0% intro APR for 12 months on purchases (then 18.49% - 26.49% Variable)
Other benefits
  • Car rental loss and damage insurance1
  • Global Assist hotline2
  • Extended warranty3
  • Purchase protection4
  • Car rental loss and damage insurance1
  • Global Assist hotline2
  • Extended warranty3
  • Purchase protection4
Foreign transaction fee 2.7% 2.7%
Credit needed Excellent, Good Excellent, Good
Read full review Read full review

My verdict

The choice between the Amex Blue Business Cash and the Amex Blue Business Plus boils down to whether you prefer cashback rewards in the form of statement credits or travel rewards in the form of Amex Membership Rewards. Personally, I prefer the latter to help offset the cost of my travels, that’s why I applied for the Amex Blue Business Plus. But I did that knowing that I could redeem my Membership Rewards for statement credits but at a reduced value of 0.6 cents per point compared to the typical 1-cent value or higher I get with travel redemptions.

Amex Blue Business Cash benefits and drawbacks

Pros
  • Has a $0 annual fee (terms apply)
  • Has a simple reward structure
  • Earns cash back in the form of a statement credit
Cons
  • Has 2.7% foreign transaction fee

The Amex Blue Business Cash offers 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that. You can also earn a $250 statement credit after spending $3,000 on purchases in the first 3 months.

What makes this card stand out against the Amex Blue Business Plus is that the rewards you earn from its cashback rate translate dollar-to-dollar to statement credits when you redeem them. The Amex Blue Business Plus, on the other hand, gets a lower value of 0.6 cents per point when you redeem your rewards for statement credits.

That’s why I recommend this card for someone who mainly wants to earn cashback rewards as statement credits.

The Amex Blue Business Cash doesn’t make sense for travel purchases abroad because it has a 2.7% foreign transaction fee.

Read our full Amex Blue Business Cash Card review.

Amex Blue Business Plus benefits and drawbacks

Pros
  • Has a $0 annual fee (terms apply)
  • Has a simple reward structure
  • Earns valuable Membership Rewards points
Cons
  • Has 2.7% foreign transaction fee

The Amex Blue Business Plus offers 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that. You can also earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 3 months of card membership.

You’ll likely get the best value for your Membership Rewards points when you redeem them for travel. I typically use my points through the Amex Travel portal, or I move them to one of Amex’s transfer partners, to potentially get higher value per point. Redeeming these points for statement credit only offers 0.6 cents per point, so it takes 1,000 points to receive a $6 statement credit, so I typically avoid this option.

While the Amex Blue Business Plus is a travel card, it’s not the best option for international travel. It charges a 2.7% foreign transaction fee on purchases made abroad or from foreign merchants.

Read our full Amex Blue Business Plus Credit Card review.

What both business cards excel at

  • Annual fee: The Amex Blue Business Cash has a $0 annual fee and the Amex Blue Business Plus also has a $0 annual fee.
  • Welcome offers: You can earn a generous welcome offer with either card. When I qualified for the Amex Blue Business Plus, I was able to quickly meet the welcome offer requirements since they were simple enough.
  • Earning rates: Both cards have simple rewards rates without additional spending categories to worry about. The elevated base earning rate on business spending up to $50,000 a year is better than the base 1% or 1x point or mile per dollar you get on many other cards, so I found it easy to choose my Amex Blue Business Plus for random business expenses.
  • Intro APR offers: Both cards come with intro APR offers on purchases. I took advantage of this benefit on the Amex Blue Business Plus to fund some large business purchases that came my way soon after opening the card.
  • Purchase protection: Both cards provide extended warranty coverage and purchase protection, which can help you protect various qualified items you buy for your business.
  • Travel benefits: You can access a Global Assist hotline and car rental loss and damage insurance with either card.

2 important differences between Amex Blue Business Cash vs. Amex Blue Business Plus

1. Rewards

The Amex Blue Business Cash provides 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that.

The Amex Blue Business Plus provides 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that.

There’s no overall better option here because it depends on whether you want to earn cash back or travel rewards.

Winner: It’s a tie because it depends on your preference for earning cash or travel rewards.

2. Redemption options

The only redemption option for the Amex Blue Business Cash is automatically receiving cash back as a statement credit.

With the Amex Blue Business Plus, you can choose from the following redemptions:

  • Travel
  • Transfer partners
  • Statement credit
  • Cover card charges
  • Gift cards
  • Pay With Points

I personally prefer the higher redemption flexibility of the Amex Blue Business Plus, but its downside is the low value of 0.6 cents per point that it offers on statement credit redemptions.

Winner: Amex Blue Business Plus because it offers more redemption options.

Which business credit card should you choose?

When you should choose Amex Blue Business Cash

  • You want a simple card for earning cash back (in the form of a statement credit)
  • You already have a relationship with American Express
  • You don’t plan to use this card in other countries
  • You don’t plan to spend more than $50,000 per year on this card

When you should choose Amex Blue Business Plus

  • You want a simple card for earning travel rewards
  • You already have a relationship with American Express
  • You don’t plan to use this card in other countries
  • You don’t plan to spend more than $50,000 per year on this card
  • You want multiple redemption options, including booking travel and transferring points to travel partners

What factors to consider before choosing

When determining how to choose an Amex business credit card, consider these factors:

  • Type of rewards: In general, rewards cards are divided into cash back cards and travel cards. The main difference between these cards is that you’ll earn cash back, points, or miles, depending on the card. American Express business cards offer a good mix of both cash back and travel cards.
  • Annual fee: Cards with annual fees tend to have better benefits, but you have to determine whether those benefits are worth the annual cost. In many cases, cards with no annual fees can still provide plenty of value with their rewards and benefits.
  • Redemption options: Cash back cards tend to have cashback-related redemptions, while travel cards have travel-related redemptions. In some cases, certain travel cards have both cashback- and travel-related redemptions.
  • Perks and benefits: The best benefits for you depend on your preferences. Many cards provide benefits like extended warranty coverage or purchase protection. But if you want travel insurance benefits or airport lounge access, you would need to consider travel cards.
  • Personal or business: It makes sense to use a business card for business expenses because it helps you separate them from your personal expenses. However, you can use personal cards for any type of expense, so it’s worth it to compare credit cards and see if any consumer cards could also make sense for you.

If you’re looking to combine cashback rewards with excellent benefits for your business, check out our list of the best cash back business credit cards.

FAQ

What is the difference between Amex Blue Business Cash and Blue Business Plus?

The main difference is that the Amex Blue Business Cash earns cash back in the form of statement credit, while the Amex Blue Business Plus earns Amex Membership Rewards points. The Amex Blue Business Plus also provides multiple redemption options, including booking travel and transferring rewards to travel partners, while the Amex Blue Business Cash only provides cash back in the form of a statement credit.

Is the Amex Blue Business Plus worth it?

The Amex Blue Business Plus is an excellent $0-annual-fee option for earning travel rewards on your business expenses. You can earn 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that. You can also take advantage of a 0% intro APR offer on purchases.

Does Amex Blue Business Plus do a hard pull?

Yes, American Express typically does a hard pull on your personal credit reports when you apply for the Blue Business Plus credit card or most other business credit cards they offer.

Amex Blue Business Cash vs. Amex Blue Business Plus: bottom line

The Amex Blue Business Cash is the better option for earning cash back in the form of statement credits, while the Amex Blue Business Plus makes more sense for earning travel rewards. I like both cards for making it easy to avoid paying annual fees, but I prefer the Amex Blue Business Plus since I prefer travel redemptions. However, I can see the appeal of earning actual cash back.

If these cards don’t seem like the right fit for you, check out our list of the best business credit cards for our top recommendations.

Up to 5% Cash Back

4.8

Ink Business Cash® Credit Card

Current Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

Annual Fee

$0

Rewards Rate

5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases

Benefits and Drawbacks
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Author Details

Ben Walker, CEPF, CFEI®

Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.