Rewards Calculator: Blue Business Plus vs Blue Business Cash

Compare the AMEX Blue Business Plus and AMEX Blue Business Cash cards side by side based on your spend and find out which is the better option for you.

The Blue Business Plus and Blue Business Cash cards are the best cards for miscellaneous purchases since they earn the best flat rates for AMEX Membership Rewards Points and AMEX cash back, respectively. When it comes to deciding between the two, it's going to come down to whether or not you prefer cash back over points and if you do choose points, how much Membership Rewards Points are worth to you. This page will compare the two cards and let you compare both side by side, based on spend and benefits. You can also use the Credit Card Comparison Tool to compare groups of AMEX Cash Back and Membership Rewards Point earning cards.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The earning structure for the Blue Business Plus and Blue Business Cash are identical and both earn rewards at a flat rate per $1 spent. You'll earn 2 Membership Rewards Points per $1 spent on all purchases with the Blue Business Plus and 2% cash back per $1 spent on all purchases with the Blue Business Cash. The bonus earning rates on both cards have a max of $50,000 spend per calendar year in which you'll earn either 1x or 1% for the remainder of the calendar year. There's no limit to the amount of rewards you can earn with either card overall.

Blue Business Plus Card

  • 2x On First $50,000 In Purchases
    • 1x for the remainder of the calendar year after reaching cap.

Blue Business Cash Card

  • 2% On First $50,000 In Purchases
    • 1% for the remainder of the calendar year after reaching cap.

Perks & Benefits

Both the Blue Business Plus and Blue Business Cash cards share the same benefit of behaving like a NPSL (No Personal Spending Limit) Card.

Blue Business Plus Card

Blue Business Cash Card

Rewards Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Select A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
Get a list of available offers from our partners based on card category along with current welcome bonuses, APRs and fees, balance transfer info, and access to secure credit card applications. Do note that there are not offers for every credit card featured on this site.

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Updated 2020-07-21 By Robert Flowers III

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