Blue Business Cash vs American Express Plum Card
How does Blue Business Cash compare to American Express Plum Card, a cash back card? Read our comparison chart below.
Keep in mind, the Blue Business Cash has a No annual fee, while the American Express Plum Card has a
The American Express Blue Business Cashâ„¢ Card | The Plum Card® from American Express | |
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Card Interest Rates & Fees | ||
Introductory APR for Purchases | 0% introductory APR for 12 months from date of account opening | N/A |
Purchase APR | 18.49% to 26.49% Variable based on your creditworthiness and other factors | N/A |
Balance Transfers APR | N/A | N/A |
Foreign Transaction Fee | 2.7% of each transaction after conversion to US dollars. | No foreign transaction fee |
Annual Fee | No annual fee | |
Card Rewards & Benefits | ||
Introductory Bonus Cash Back | Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. | |
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. | |
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 American Express Blue Business Cashâ„¢ Card and The Plum Card® from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Blue Business Cash: Pricing information including interest rates, benefits and fees was obtained on October 5, 2023 from published websites and is believed to be accurate, but not guaranteed. American Express Plum Card: Pricing information including interest rates, benefits and fees was obtained on July 7, 2023 from published websites and is believed to be accurate, but not guaranteed. |
Comments
- John from Pennsylvania
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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