Earn as High as $500 or 50K Points With the Blue Business Cash or Blue Business Plus Card [Targeted]

The American Express Blue Business Cash^® Card and The Blue Business^® Plus Credit Card from American Express are 2 excellent small-business credit card options for business owners who want to earn rewards without paying fees along the way.

Now, both cards provide targeted welcome bonus offers that allow you to earn as high as $500 or 50,000 Amex points, depending on which card you select.

Here are the details of each offer, including which is more valuable, and how you should decide which card is best for you.

Amex Blue Business Cash Card and Amex Blue Business Plus Card Targeted Welcome Offers

With the Amex Blue Business cash card, you can earn a welcome offer of: As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.

The Amex Blue Business Plus card, on the other hand, comes with a welcome offer of: As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.

The good news is that American Express allows you to begin the application, see your offer, and then decide whether to submit the application and accept the offer. You don’t have to complete the application before finding out your welcome bonus offer’s amount.

Which Offer Is Best?

Deciding which offer is better comes down to what you value more, and how you plan to redeem each offer.

Since both offers require the same minimum spending amount, you’re choosing between as high as $500 of cash-back on the Amex Blue Business Cash card or as high as 50,000 Amex Membership Rewards points with the Amex Blue Business Plus card.

We value Amex Membership Rewards points at 2.2 cents per point, making 50,000 points worth $1,100 based on that valuation. That is over double the value you’d receive from the cash-back offer on the Amex Blue Business Cash card, making the upside value from the Amex Blue Business Plus card the better offer by far.

That said, getting good value out of Amex points requires you to make strategic use of Amex’s transfer partners to save on flights and hotels for your travels. Thus, if you’re not planning to travel in the near future, or simply prefer the simplicity of cash-back, then the Amex Blue Business Cash card might suit you better.

Amex Blue Business Cash Card vs. Amex Blue Business Plus Card Quick Comparison

Outside of the welcome offer bonuses, the 2 cards are pretty similar, but they do each have a key difference that might help you make your decision.

Terms Apply / Rates & Fees

The American Express Blue Business Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each calendar year.

Apply Now(at Amex's secure site)

The American Express Blue Business Cash^® Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each calendar year.

Welcome Offer

As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.

As High As $500. Find Out Your Offer.

UP's Offer Valuation*:

As High As $500

Annual Fee

No annual fee

APR

16.99% - 28.74% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash^® Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros & Cons

Pros

• 2% cash-back on the first $50,000 of purchases each calendar year, then 1% back thereafter
• No annual fee
• Travel and purchase protection

Cons

• Not ideal for those who spend a lot on a specific category like groceries or gas

Read Full Review

Card Highlights

• As High As a $500 Statement Credit after you spend?$5,000 in purchases on your new Card within the first?3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% – 28.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. 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 above your credit limit* with Expanded Buying Power.
• * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
• No Annual Fee. Terms Apply. Learn More.

Financial Snapshot

• APR: 16.99% - 28.74% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Business Cash card is a straightforward cash-back card that earns 2% back on the first $50,000 of purchases each calendar year, then 1% back thereafter.

It also comes with a handful of other perks like rental car insurance, purchase protection, and extended warranty coverage, all with a $0 annual fee (rates & fees).

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.

As High As 50,000 points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $1,100

Annual Fee

No annual fee

APR

16.99% - 28.74% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
• You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 16.99% - 28.74% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is pretty much identical in every way, except that it earns 2x Amex points on everyday business purchases on up to $50,000 in spend in a calendar year, and 1x thereafter.

Otherwise, all of the other card benefits are identical, including the fact that it also has a $0 annual fee (rates & fees).

Final Thoughts

Both the Amex Blue Business Cash card and Amex Blue Business Plus card are currently offering targeted offers with as high as offers $500 or 50,000 points, respectively.

If either of these Amex small-business cards has been on your radar, now is a great time to apply.