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Blue Business Plus vs Blue Cash Preferred

Compare Rewards, Interest Rates, Fees, and Benefits

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Blue Business Plus is a good rewards card for small business owners. How does it compare to Blue Cash Preferred from American Express, a cash back, gas and grocery credit card? Read our comparison chart below.

Note: The Blue Business® Plus Credit Card from American Express is a credit card for business while Blue Cash Preferred® Card from American Express is a credit card for consumer.

 The Blue Business Plus Credit Card from American ExpressBlue Cash Preferred Card from American Express
 Apply NowApply Now
 

The Blue Business® Plus Credit Card from American Express

Blue Cash Preferred® Card from American Express

 Business Credit CardPersonal Credit Card
 
Point Rewards$0 Fraud Liability
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental Insurance
 
  • Get rewarded for business as usual. Earn 2X Membership Rewards® 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*.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That's everyday business with the 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 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • See Rates & Fees
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • New 6% Cash Back on select U.S. streaming subscriptions.
  • New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 12 months0% introductory APR on purchases for 12 months
Introductory APR for Balance Transfers0% introductory APR for 12 months0% introductory APR on balance transfers for 12 months
Purchase APR14.74% to 20.74% Variable based on your creditworthiness and other factors14.49% to 25.49% Variable based on your creditworthiness and other factors
Balance Transfers APR14.74% to 20.74% Variable based on your creditworthiness and other factors14.49% to 25.49% Variable based on your creditworthiness and other factors
Annual FeeNo annual fee$95 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Cash Back Rewards New 6% Cash Back on select U.S. streaming subscriptions.
New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
Point RewardsGet rewarded for business as usual. Earn 2X Membership Rewards® 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. 
Gas Rewards 3% Cash Back at U.S. gas stations.
Grocery Rewards 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Airline Transfer PartnersAirline 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® Credit Card Reviews

 The Blue Business Plus Credit Card from American ExpressBlue Cash Preferred Card from American Express
Pros & ConsPros:
  • 2X points on the first $50,000 spent each calendar year, then 1x
  • Intro APR
  • No annual fee
Cons:
  • Not Visa/Mastercard
Pros:
  • 6% at U.S. supermarkets (up to $6k/year in purchases, then 1%)
  • 3% at U.S. gas stations
  • Bonus cash back promotional offer
Cons:
  • $95 annual fee
  • Not a Visa/MasterCard
Bottom LineGood rewards card for small business owners... Read full reviewExcellent cash back credit card for families... Read full review
 Apply NowApply Now

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.


Articles on The Blue Business® Plus Credit Card from American Express


Articles on Blue Cash Preferred® Card from American Express


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Compare Blue Business Plus to:

Business Gold Card
Introductory Bonus OfferBonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitEventsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionBaggage Insurance$0 Fraud LiabilityRoadside Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.74% - 23.74% Variable
$295

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

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Compare Blue Cash Preferred to:

Blue Cash Everyday
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsurancePurchase Protection$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
14.49% - 25.49% Variable
$0

Chase Sapphire Preferred
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.49% - 24.49% Variable
$95
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About CreditDonkey®
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.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*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.