Amex Blue Business Cards Offer Two No-Fee Options for Businesses

The American Express Blue Business cards, including the Blue Business Plus and Blue Business Cash, are two of the most lucrative no-annual-fee business credit cards available. Both cards offer a similar set of features, with the main difference being that the Blue Business Plus earns 2x Membership Rewards points on purchases, while the Blue Business Cash earns 2% cash back.

The Blue Business Plus is ideal for businesses that want to earn Membership Rewards points, which can be transferred to airline and hotel partners. This card's earning structure makes it a valuable 'permanent wallet' in the Amex ecosystem, as points remain even if premium cards like the Amex Platinum or Gold are canceled.

On the other hand, the Blue Business Cash is suitable for businesses that prefer simple, predictable rewards without the complexity of managing a points balance. This card offers 2% cash back on purchases up to $50,000 per calendar year, making it an attractive option for those who want to earn cash back without the hassle of redeeming points.

Ultimately, the choice between these two cards depends on the business's specific needs and preferences. If earning Membership Rewards points is a priority, the Blue Business Plus may be the better choice. However, if simplicity and predictability are more important, the Blue Business Cash could be the way to go.