Amex Plum vs. Blue Business Cash: Which is Best?

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In the world of business credit cards, The American Express Blue Business Cash™ Card and The Plum Card® from American Express offer unique features that cater to varying business needs.

The Blue Business Cash™ Card stands out with its no annual fee (rates & fees) and 2% cash back on all eligible purchases up to $50,000 per calendar year, and 1% cash back thereafter.

On the other hand, the Plum Card® comes with a $250 annual fee (rates & fees), but it offers the flexibility to pay in full each month to earn rewards or carry your balance for up to 60 days with no interest. 

This article will compare each card based on several factors to help you make an informed decision on which card is the best to add to your wallet.

Pro Tip:

The Blue Business® Plus Credit Card from American Express (review) is almost identical to the Blue Business Cash, but it earns Amex Membership Rewards points that you can transfer to airlines over cash back.

Cards Overview

No Annual Fee
The American Express Blue Business Cash™ Card
  • 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
  • 0% Intro APR on Purchases for 12 Months. After that, reg_apr,reg_apr_type. APRs will not exceed 29.99%.
  • No Annual Fee (rates & fees)
Learn More Our Review
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Unlimited 1.5% Early Pay Cash Back
The Plum Card® from American Express
  • Earn 1.5% Cash Back When You Pay Balance Within 10 Days of Statement Closing Date OR Carry Your Balance for Up to 60 Days With Zero Interest
  • No Foreign Transaction Fees
  • $250 Annual Fee and No Foreign Transaction Fees (rates & fees)
Learn More Our Review
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Welcome Bonus

The Blue Business Cash currently does not offer a welcome bonus.

Unlike most cards, the Amex Plum Card does not offer a welcome bonus for new applicants.

Earning Rewards

The Blue Business Cash allows business owners to earn 2% cash back on up to $50,000 in eligible purchases every calendar year. After that, the card earns 1% back.

Plus, any cash back you earn is automatically credited to your card statement for easy rewards.

The Amex Plum Card has a unique way of approaching rewards. You have two options:

  1. Earn an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By Date; OR
  2. You can carry the balance interest-free for 60 days if you pay the minimum monthly amount by the due date.

The minimum monthly payment is 10% of the balance from new activity on your current billing statement plus the entire amount of any previously deferred balance, as long as your account is current.

This interest-free option could be a good choice for businesses that need extra flexibility with their cash flow.

Winner: It depends. If you plan to pay off your balance in full each month, then the Blue Business Cash wins this category. If you need flexibility on your payments, then the Amex Plum can save you a lot of money in interest payments.

Small Business

Card Benefits and Perks

The Blue Business Cash offers the following card benefits:

  • 0% Intro APR on purchases for 12 months from account opening. After that, a reg_apr,reg_apr_type APR applies.  APRs will not exceed 29.99%.
  • Expanded Buying Power.
  • Secondary Rental Car Insurance.*
  • Extended Warranty.*
  • Purchase Protection.*

* Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

The Amex Plum Card offers the following card benefits:

  • Purchase protection.*
  • Extended warranty.*
  • Secondary Rental Car Insurance.*
  • No foreign transaction fees.
  • No preset spending limit.

* Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

Winner: Tie. The Amex Plum has no foreign transactions while the Blue Business Cash charges a fee. But the Blue Business Cash has an intro APR offer. 

Value of the Annual Fees

The Blue Business Cash is a great choice for small businesses because it has no annual fee (rates & fees). 

This can help new businesses save on costs while still being able to earn cash-back rewards on their purchases.

You can also add up to 99 employees as authorized users free of charge.

The Amex Plum card has a $250 annual fee (rates & fees) and you can additional employees for no fee.

Winner: Blue Business Cash. It is hard to compete with no annual fee.

Redeeming Rewards

You can only redeem your rewards on the Blue Business Cash as a statement credit.

Rewards are automatically redeemed to your account within two months from the date of purchase.

For example, if you spent $2,000 on office supplies in March, a $40 credit will be posted on the May billing statement.

The Amex Plum’s rewards are automatically credited to the following billing statement, assuming you took the cash-back option over the extra time to pay off the balance.

Winner: Tie. Both redeem cash back towards billing statements.

The Verdict

For most people the Blue Business Cash is a better option than Amex Plum Card.

The Blue Business Cash earns 2% cash back (up to $50,000 per year; 1% thereafter) with no annual fee.

But the Amex Plum could be an option if your business needs extra time to pay off its card statements. 

No Annual Fee
The American Express Blue Business Cash™ Card
  • 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
  • 0% Intro APR on Purchases for 12 Months. After that, reg_apr,reg_apr_type. APRs will not exceed 29.99%.
  • No Annual Fee (rates & fees)
Learn More Our Review
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Unlimited 1.5% Early Pay Cash Back
The Plum Card® from American Express
  • Earn 1.5% Cash Back When You Pay Balance Within 10 Days of Statement Closing Date OR Carry Your Balance for Up to 60 Days With Zero Interest
  • No Foreign Transaction Fees
  • $250 Annual Fee and No Foreign Transaction Fees (rates & fees)
Learn More Our Review
American Express is a Deals Points Advertiser. Terms Apply

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