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American Express® Blue Business Cash Card vs The Plum Card® from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

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Blue Business Cash is a good cash back card for small business owners. How does it compare to American Express Plum Card, a cash back charge card? Read our comparison chart below.

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

 American Express Blue Business Cash CardThe Plum Card from American Express
 Apply NowApply Now
 

American Express® Blue Business Cash Card

The Plum Card® from American Express

 Business Credit CardBusiness Charge Card
 
Cash Back Rewards$0 Fraud Liability
No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection
 
  • 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.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, 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.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR on purchases for 12 monthsN/A
Introductory APR for Balance Transfers0% introductory APR on balance transfers for 12 monthsN/A
Purchase APR14.74% to 20.74% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR14.74% to 20.74% 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 FeeNo annual fee$0 introductory annual fee for the first year, then $250
 

Card Rewards & Benefits

Cash Back RewardsEarn 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. 
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 American Express Blue Business Cash CardThe Plum Card from American Express
Pros & ConsPros:
  • 2% cash back on the first $50,000 spent each calendar year, then 1%
  • Intro APR
  • No annual fee
Cons:
  • Not Visa/Mastercard
Pros:
  • 1.5% discount for paying early
  • No pre-set spending limit
Cons:
  • $250 annual fee
Bottom LineGood cash back card for small business owners... Read full reviewFlexible business charge card to help manage cash flow... Read full review
 Apply NowApply Now
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.


    Articles on American Express® Blue Business Cash Card


    Articles on The Plum Card® from American Express


    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.

    Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.

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    Compare Blue Business Cash to:

    Blue Business Plus
    Point Rewards$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% for 12 months
    0% for 12 months
    14.74% - 20.74% Variable
    No annual fee

    Compare American Express Plum Card to:

    American Express Business Platinum

    The Business Platinum® Card from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline Rewards
    Annual Fee
    $595
    Business Gold Card

    American Express® Business Gold Card

    Introductory Bonus OfferBonus Airline RewardsPoint RewardsNo Expiration on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    15.74% - 23.74% Variable
    Annual Fee
    $295
    Blue Cash Everyday

    Blue Cash Everyday® Card from American Express

    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on Purchases for 15 months
    0% on Balance Transfers for 15 months
    14.49% - 25.49% Variable
    Annual Fee
    $0

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