Card Value Calculator: Blue Business Plus vs Blue Business Cash

Calculate points per $1 spent and the overall cash value of the Blue Business Plus vs Blue Business Cash based on spend, benefits, and annual fees.

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.

Rewards Rates

Blue Business® Plus Credit Card from American Express
Blue Business® Plus Credit Card from American Express
2X
Earn 2X Membership Rewards® points on the first $50,000 in purchases per year, then 1 point per dollar thereafter.
American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card
2%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

Current Intro Bonus

Blue Business® Plus Credit Card from American Express
Blue Business® Plus Credit Card from American Express

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Key Cardholder Benefits

Blue Business® Plus Credit Card from American Express
Blue Business® Plus Credit Card from American Express
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *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.
  • No Annual Fee
  • Terms Apply
American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card
  • 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.
  • No Annual Fee
  • Terms Apply

Rewards Value

Blue Business® Plus Credit Card from American Express
Blue Business® Plus Credit Card from American Express
Redemption Option Average Value (in cents)
Point transfers to airline and hotel partners 0.6 - 2
Booking flights through American Express Travel 1
Booking other travel through American Express Travel 0.7
Paying with points at checkout 0.7
Using points for card charges (statement credit) 0.6
Redeeming points for gift cards 0.5 - 1

Membership Rewards Points earned with the Blue Business Plus Credit Card have an average value of 1 cent when redeemed towards airfare via amextravel.com.

You can obtain higher value by transferring points to AMEX's travel partners and redeeming them for flights and hotel stays. Points can also be used for statement credits, gift cards, and Amazon.com purchases, but these will typically give your points less than 1 cent in value.

American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card

Cash back earned with the Blue Business Cash is worth face value. So $1 in cash back earned is equal to $1 in statement credits on the card.

Transfer Partners

Membership Rewards points can be transferred to airline and hotel partners. This can give your points a value of anywhere between 1 and 2 cents (or more) per point.

Cash back earned with American Express can be used for statement credits. It cannot be transferred to other programs.

Annual Fees

Blue Business® Plus Credit Card from American Express
Blue Business® Plus Credit Card from American Express

The Blue Business Plus Card does not have an annual fee. Additional cardholders can be added at no extra cost.

American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card

The Blue Business Cash Card does not have an annual fee. Additional cardholders can be added at no extra cost.

Card Value 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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