American Express Plum Card vs Blue Business Cash

American Express Plum Card is a flexible business charge card to help manage cash flow. How does it compare to Blue Business Cash from American Express? Read our comparison chart below.

Keep in mind, the American Express Plum Card has a $0 introductory annual fee for the first year, then $250, while the Blue Business Cash has a No annual fee.

Charge Card vs Credit Card: The Plum Card® from American Express is a charge card while American Express Blue Business Cash™ Card is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

	The Plum Card® from American Express	American Express Blue Business Cash™ Card
	Business Charge Card	Business Credit Card
	Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0% introductory APR on purchases for 12 months
Purchase APR	N/A	13.24% to 19.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	N/A
Foreign Transaction Fee	No foreign transaction fee	2.7% of each transaction after conversion to US dollars.
Annual Fee	$0 introductory annual fee for the first year, then $250	No annual fee
	Card Rewards & Benefits
Cash Back Rewards		Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
	CreditDonkey® Card Reviews
Pros & Cons	Pros: 1.5% Early Pay Discount No pre-set spending limit Cons: $250 annual fee	Pros: 2% cash back on the first $50,000 spent each calendar year, then 1% Intro APR No annual fee Cons: Not Visa/Mastercard
Bottom Line	Flexible business charge card to help manage cash flow... Read full review	Good cash back card for small business owners... Read full review
	Read American Express Plum Card Review	Read Blue Business Cash Review
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. Disclaimer: The information for the The Plum Card® from American Express and American Express Blue Business Cash™ Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. American Express Plum Card: Pricing information including interest rates, benefits and fees was obtained on July 7, 2020 from published websites and is believed to be accurate, but not guaranteed. Blue Business Cash: Pricing information including interest rates, benefits and fees was obtained on July 7, 2020 from published websites and is believed to be accurate, but not guaranteed.

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Articles on American Express Blue Business Cash™ Card

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American Express Blue Business Cash™ Card offers 2% cash back on up to $50,000 in purchases per calendar year (then 1%). But is it good for your business? Read on.
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Comments

• John from Pennsylvania
  on March 28, 2012 7:58 AM said about American Express Plum Card:

  I just got the Plum Card and was made aware of something that the Customer Service Rep wasn't aware of until I pressed the issue and he had to find out the answer from a supervisor:

  The 1.5% is strictly applied to payments within the first 10 ten days after the monthly cycle closes. The caveat there is that payments made during the monthly cycle do not get the discount reward. That's an important distinction that will not necessarily be clear to anyone reading about the card and I think you should know that. I now realize that if I pay "too early", the discount doesn't apply. I was very disappointed. AMEX charge cards may not have a preset limit but they do have limits based on spending patterns. If I have $5000 available and use that in the first week of the monthly cycle on unforeseen expenses with several auto-debits still to come, I need to pay down the balance quickly within a few days and thus NOT get the discount on that payment. The discount only applies to the ENDING BALANCE. Now, if you have a stratospheric limit on the card, it won't matter. But for many small business owners juggling expenses and spending limits while trying to get maximum rewards, this can and will be a nuisance. Applicant beware.

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Compare American Express Plum Card to:

Blue Cash Everyday® Card from American Express Terms Apply | Read Review | See Rates & Fees Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% on Purchases for 15 months N/A 13.99% - 23.99% Variable $0

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