Blue Business Cash Card from American Express vs Blue Business Plus Credit Card from American Express
Both cards cost $0/yr. The Blue Business Cash Card from American Express leads on everyday spending; the Blue Business Plus Credit Card from American Express on everyday spending.
Card data as of November 13, 2026.
Blue Business Cash Card from American ExpressAmerican Express · No annual fee
Blue Business Plus Credit Card from American ExpressAmerican Express · No annual fee
Overview
- Annual fee
- Blue Business Cash Card from American Express$0Blue Business Plus Credit Card from American Express$0
- Welcome offerCurrent public offer
- Blue Business Cash Card from American Express$250 statement creditBlue Business Plus Credit Card from American ExpressAs high as 50,000 points — offers vary
- Rewards
- Blue Business Cash Card from American ExpressCash backBlue Business Plus Credit Card from American ExpressAmerican Express Membership Rewards
- Foreign transaction fee
- Blue Business Cash Card from American Express2.7%Blue Business Plus Credit Card from American Express2.7%
- Network
- Blue Business Cash Card from American ExpressAmerican ExpressBlue Business Plus Credit Card from American ExpressAmerican Express
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Everything else
- Blue Business Cash Card from American Express1%Blue Business Plus Credit Card from American Express1x
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Blue Business Cash Card from American Express
- 0% Intro APR on purchases for 12 months
Blue Business Plus Credit Card from American Express—
Perks & access— means none on record
- Other perks
- Blue Business Cash Card from American Express
- Amex Offers
- Control employee spending by limit, category, and merchant
- Add up to 99 employee cards at no extra cost
- Early access to concerts and events
- 24/7 global travel assistance
- Spend beyond your credit limit without over-limit fees
Blue Business Plus Credit Card from American Express- Amex Offers
- Up to 99 free employee cards
- Spend above your credit limit when needed
- Early access to concerts and events
- 24/7 global travel assistance
Protections & insuranceLimits where published · — means none on record
- Rental car
- Blue Business Cash Card from American Express
- Car Rental Loss and Damage Insurance
Blue Business Plus Credit Card from American Express- Up to $50,000 car rental damage coverage
- Purchase & returns
- Blue Business Cash Card from American Express
- Up to $1,000 per item against damage or theft
Blue Business Plus Credit Card from American Express- Up to $1,000 per item against damage or theft
- Extended warranty
- Blue Business Cash Card from American Express
- Extended warranty adds up to 1 year
Blue Business Plus Credit Card from American Express- Extended warranty adds up to 1 year
- Other protections
- Blue Business Cash Card from American Express
- Zero liability protection on fraudulent charges
Blue Business Plus Credit Card from American Express- Zero liability protection on fraudulent charges
Pros & cons
- Pros
- Blue Business Cash Card from American Express
- No annual fee makes it risk-free for new businesses
- 2% cash back on all purchases up to $50,000/year
- Up to 99 free employee cards
- Simple cash back structure with no category activation
- No limit on total cash back earnings
Blue Business Plus Credit Card from American Express- No annual fee for Membership Rewards earning card
- 2X points on all purchases up to $50,000/year
- Up to 99 free employee cards
- Transfer points 1:1 to airline and hotel partners
- Simple earning structure with no category activation
- Cons
- Blue Business Cash Card from American Express
- Earnings drop to 1% after $50,000 annual spend
- 2.7% foreign transaction fee limits international use
- Amex network acceptance more limited than Visa/Mastercard
- $250 welcome offer is small next to many business cards
- Protections are basic (secondary rental car coverage, purchase protection up to $1,000 per item)
Blue Business Plus Credit Card from American Express- Earnings drop to 1X after $50,000 annual spend
- 2.7% foreign transaction fee limits international use
- Amex network acceptance more limited than Visa/Mastercard
- Lower welcome bonus compared to premium Amex business cards
- No travel credits or statement benefits
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Ongoing value favors the Blue Business Plus Credit Card from American Express; year-one value favors the Blue Business Cash Card from American Express.
| Scenario | Blue Business Cash Card from American Express | Blue Business Plus Credit Card from American Express | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $370 | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $180 | Blue Business Plus Credit Card from American Express | Blue Business Cash Card from American Express |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $730 | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $720 | Blue Business Plus Credit Card from American Express | Blue Business Cash Card from American Express |
The Bottom Line
Ongoing value favors the Blue Business Plus Credit Card from American Express; year-one value favors the Blue Business Cash Card from American Express.
Frequently Asked Questions
- Which card earns more rewards, the Blue Business Cash Card from American Express or Blue Business Plus Credit Card from American Express?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Blue Business Cash Card from American Express or the Blue Business Plus Credit Card from American Express?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.