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Blue Business Plus vs Business Gold Rewards Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Blue Business Plus is a good no-annual-fee rewards card for small business owners. How does it compare to Business Gold Rewards Card from American Express? Read our comparison chart below.

Keep in mind, the Blue Business Plus has a $0 annual fee, while the Business Gold Rewards Card has a $0 introductory annual fee for the first year, then $175.

Charge Card vs Credit Card: The Blue Business℠ Plus Credit Card from American Express is a credit card while The Business Gold Rewards Card from American Express OPEN is a charge card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 The Blue Business Plus Credit Card from American ExpressThe Business Gold Rewards Card from American Express OPEN
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The Blue Business℠ Plus Credit Card from American Express

The Business Gold Rewards Card from American Express OPEN

 Business Credit CardBusiness Charge Card
 
Point Rewards$0 Fraud Liability
Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitEvents
 
  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24%, 17.24% or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees
 

Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR on Purchases for 15 monthsN/A
Introductory APR for Balance Transfers0% introductory APR on Balance Transfers for 15 monthsN/A
Purchase APR13.24% to 21.24% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR13.24% to 21.24% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.No foreign transaction fee
Annual Fee$0 annual fee$0 introductory annual fee for the first year, then $175
 

Card Rewards & Benefits

Introductory Bonus Reward Points Introductory Bonus Reward Points: Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
Point RewardsPoint Rewards: Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.Point Rewards: Get 3x points - Choose 1 out of 5 categories. 2X points on the 4 remaining categories and 1X points on other purchases. 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.Airline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 The Blue Business Plus Credit Card from American ExpressThe Business Gold Rewards Card from American Express OPEN
Pros & ConsPros:
  • 2X points on the first $50,000 spent each calendar year, then 1x
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24%, 17.24% or 21.24%
  • No annual fee
Cons:
  • Foreign transaction fee
Pros:
  • Rewards
  • $0 introductory annual fee for first year
Cons:
  • $175 annual fee
  • Requires excellent credit
Bottom LineGood no-annual-fee rewards card for small business owners... Read full reviewGood rewards card for established business owners who do not plan to carry a balance... Read full review
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What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.

    Which is Better: Blue Business Plus or Business Gold Rewards Card?

    Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Blue Business Plus or Ink Business Preferred.


    Explore The Blue Business℠ Plus Credit Card from American Express In-Depth


    Explore The Business Gold Rewards Card from American Express OPEN In-Depth


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    Compare Blue Business Plus to:

    Business Green Rewards Card
    Introductory Bonus Reward PointsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance
    Card TypeAnnual Fee
    Business Charge Card
    $0 introductory annual fee for the first year, then $95

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    Compare Business Gold Rewards Card to:

    American Express Business Platinum
    Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft Assistance Roadside Assistance
    Card TypeAnnual Fee
    Business Charge Card
    $450


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    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.