Blue Business Plus vs Blue Business Cash - Rewards Calculator

Rewards Comparison Calculator
Review card benefits, calculate how much you can earn with the AMEX Blue Business Plus vs the Blue Business Cash, and compare both cards side by side.
Last Updated 2022-01-11 By R.Flowers III

The Blue Business® Plus Credit Card from American Express and American Express Blue Business Cash™ Card are the best AMEX cards for miscellaneous purchases when it comes to earning cash back and Membership Rewards Points.

If you're trying to decide 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.

Comparing Rewards

The AMEX Blue Business Plus earns Membership Rewards Points which is a flexible rewards currency best used towards travel. It earns 2 points per $1 spent on up to $50,000 in purchases per year, then 1 point per $1 for the remainder of the calendar year.

The AMEX Blue Business Cash earns cash back with American Express that can be put towards purchases made to the card. It earns 2% cash back on up to $50,000 in purchases per year, then 1% cash back for the remainder of the calendar year.

Since both cards feature the same earning structure, it's safe to compare 1 Membership Rewards Point against 1% of earned cash back. The value of Membership Rewards Points will vary depending on how you redeem them whereas cash back earned will be worth face value.

You'll get the best value out of Membership Rewards Points when transferring them to AMEX's airline and hotel partners. This gives you the opportunity to get more than 1 cent in value per point.

Membership Rewards Points earned with the AMEX Blue Business Plus can be transferred to 20 partners.

AMEX Transfer Partners
Transfer Partner Ratio
Aer Lingus AerClub 1,000 Points = 1,000 Avios
Aeromexico Club Premier 1,000 Points = 1,600 Premier Points
Air Canada Aeroplan 1,000 Points = 1,000 Aeroplan Points
Air France-KLM Flying Blue 1,000 Points = 1,000 Flying Blue Miles
All Nippon Airways Mileage Club 1,000 Points = 1,000 ANA Mileage Club Miles
Avianca LifeMiles 1,000 Points = 1,000 LifeMiles
British Airways Avios 1,000 Points = 1,000 Avios
Cathay Pacific Asia Miles 1,000 Points = 1,000 Asia Miles
Delta Airlines SkyMiles 1,000 Points = 1,000 Delta SkyMiles
Emirates Skywards 1,000 Points = 1,000 Skywards Miles
Etihad Guest 1,000 Points = 1,000 Etihad Guest Miles
Hawaiian Airlines HawaiianMiles 1,000 Points = 1,000 HawaiianMiles
Iberia Plus 1,000 Points = 1,000 Avios
JetBlue TrueBlue 250 Points = 200 TrueBlue Points
Qantas Frequent Flyer 500 Points = 500 Qantas Points
Singapore KrisFlyer 1,000 Points = 1,000 KrisFlyer Miles
Virgin Atlantic Flying Club 1,000 Points = 1,000 Virgin Points
Choice Privileges 1,000 Points = 1,000 Choice Points
Hilton Honors 1,000 Points = 2,000 Hilton Honors Points
Marriott Bonvoy 1,000 Points = 1,000 Marriott Bonvoy Points

As an example, let's say that you spend $20,000 across either card during the calendar year which would earn you 40,000 Membership Rewards Points or $400 cash back. The table below shows the average value of these rewards based on each redemption listed.

Average Value of Rewards
Redemption Blue Business Plus
40,000 Points
Blue Business Cash
$400 Cash Back
Point Transfers To Partners $480 - $800+ $400
Airfare via American Express Travel $400 $400
Other Travel via American Express Travel $280 $400
Statement Credits $240 $400
Gift Cards $200 - $400 $400
Amazon.com $240 $400

Basically, if you're able to transfer your Membership Rewards Points to AMEX's airline or hotel partners and redeem them for more than 1 cent in value, you'll come out ahead with the AMEX Blue Business Plus. This is very easy to do when transferring points to frequent flyer partners as airline miles are generally worth around 1.2 to 1.5 cents each.

If you don't plan on transferring your points, they will be worth 1 cent or lower in value. At this point, you may as well consider earning cash back with the AMEX Blue Business Cash as you'll always get a 1:1 return on your spend and will not risk earning less than 1 cent in value.

Comparing Earning Rates

The earning structure for the AMEX Blue Business Plus and AMEX Blue Business Cash are identical.

Blue Business Plus vs Blue Business Cash Earning Rates
AMEX Blue Business Plus
  • 2 Membership Rewards Points per $1 spent on the first $50,000 in purchases per calendar year, then 1X
AMEX Blue Business Cash
  • 2% Cash Back on the first $50,000 in purchases per calendar year, then 1%

Since both cards earn at the same rate, the AMEX Blue Business Plus is the better than the AMEX Blue Business Cash if you value Membership Rewards Points at more than 1 cent per point.

Comparing Benefits

Both the AMEX Blue Business Plus and AMEX Blue Business Cash features mostly the same card benefits. Both cards allow you to spend beyond your designated credit limit and offer the standard suite of American Express business card benefits.

If you plan on purchasing travel through American Express Travel, the AMEX Blue Business Plus will reward you with a bonus point per $1 spent which is nice.

Blue Business Plus vs Blue Business Cash Benefits
AMEX Blue Business Plus
  • Extra Points with AMEX Travel: Earn 1 additional Membership Rewards Point per $1 spent with American Express Travel
  • Expanded Buying Power: Spend beyond your limit up to a hidden cap that adjusts with your use of the card, your payment history, credit record, and other financial resources known to American Express.
  • Expense Management Tools: Get access to a long list of tools that can help your business manage it's expenses.
AMEX Blue Business Cash
  • Expanded Buying Power: Spend beyond your limit up to a hidden cap that adjusts with your use of the card, your payment history, credit record, and other financial resources known to American Express.
  • Expense Management Tools: Get access to a long list of tools that can help your business manage it's expenses.

Rewards Calculator

Calculate how many Membership Rewards Points you can earn with the AMEX Blue Business Plus and how much cash back you can earn with the Blue Business Cash. Compare the results side by side and see how much your rewards are worth when redeemed.

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