Along with its roster of fantastic private bank cards, American Specific additionally fields loads of nice card choices for small-business house owners.
Those that cannot simply recoup excessive annual charges on sure Amex enterprise playing cards by way of their premium advantages or who cannot simply reap the benefits of rotating bonus spending classes ought to check out two of probably the most underrated playing cards for on a regular basis spending within the Amex lineup: the American Specific Blue Enterprise Money™ Card and The Blue Enterprise® Plus Credit score Card from American Specific.
Whereas these two playing cards are very comparable, together with their names, they’ve some important variations.
This is what you want to know if you happen to’re making an attempt to resolve between the Amex Blue Enterprise Money card and the Amex Blue Enterprise Plus card.
Blue Enterprise Money vs. Blue Enterprise Plus comparability
| Class | Blue Enterprise Money | Blue Enterprise Plus |
|---|---|---|
| Annual price | $0 (see charges and charges) | $0 (see charges and charges) |
| Welcome provide | Earn a $250 assertion credit score after spending $3,000 on the cardboard within the first three months of card membership | Earn 15,000 bonus factors after spending $3,000 on the cardboard inside the first three months of card membership |
| Incomes charges | 2% money again on the primary $50,000 in purchases per calendar yr (then 1% again) | 2 factors per greenback on the primary $50,000 spent per calendar yr (then 1 level per greenback) |
| Choose journey and buying protections | Sure; phrases apply | Sure; phrases apply |
Blue Enterprise Money vs. Blue Enterprise Plus welcome provide
Proper now, each playing cards are providing strong welcome bonuses.
In the meantime, new Blue Enterprise Plus cardmembers can earn 15,000 bonus factors after spending $3,000 on the cardboard inside the first three months of card membership.
Primarily based on TPG’s March 2025 valuations, Membership Rewards factors are price 2 cents every, so the Blue Enterprise Plus bonus is price $300 when redeemed for journey.
Nevertheless, incomes $250 again is a strong various if you happen to favor the pliability of cash-back rewards.
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Winner: Blue Enterprise Plus. Its welcome provide is price extra.
Blue Enterprise Money vs. Blue Enterprise Plus advantages
Whereas neither card is a premium choice, they are not utterly bereft of perks.
Each playing cards are among the many few that supply Amex’s Expanded Shopping for Energy function. This lets you exceed your card’s preset spending restrict with out being declined or hit with over-limit charges and penalties.
Purchases exceeding your credit score restrict may even earn rewards as ordinary if you happen to proceed to pay at the very least your minimal steadiness.
Each playing cards additionally subject different advantages, equivalent to automotive rental loss and harm safety,* buy safety of as much as $1,000 per prevalence and $50,000 per account per yr,** and prolonged guarantee safety of as much as an extra yr on objects bought within the U.S. with warranties of 5 years or much less.** Phrases apply.
Each the Blue Enterprise Money and Blue Enterprise Plus provide entry to Amex’s World Help Hotline, which supplies cardmembers with 24-hour emergency help after they journey greater than 100 miles away from house.^
Enterprise house owners can reap the benefits of expense administration instruments equivalent to QuickBooks and Vendor Pay by Invoice.com, which assist companies automate the way in which they ship invoices and pay payments. Lastly, each playing cards embrace entry to focused reductions and bonuses by the Amex Affords program.
Enrollment is required for choose advantages, and phrases apply.
*Eligibility and profit degree varies by card. Not all car varieties or leases are lined, and geographic restrictions apply. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by American Specific Journey Associated Providers Firm, Inc.
**Eligibility and profit ranges range by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
^Eligibility and profit degree range by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are accountable for the prices charged by third-party service suppliers.
Winner: Tie. Each playing cards provide an identical advantages.
Incomes rewards with the Blue Enterprise Money vs. Blue Enterprise Plus
The 2 playing cards have comparable incomes buildings.
In the meantime, the Blue Enterprise Money earns 2% money again on the primary $50,000 in purchases per calendar yr (then 1% money again).
Neither card has different bonus classes, in order that they’re a simple approach to earn rewards with out a lot effort.
Winner: Tie. Just like the welcome provide, this may rely on whether or not you like to earn money again or Amex factors.
Associated: Finest cash-back bank cards
Redeeming rewards with the Blue Enterprise Money vs. Blue Enterprise Plus
The cash-back rewards you earn with the Blue Enterprise Money mechanically seem as a press release credit score in your month-to-month invoice. Whereas that straightforward components may be engaging to some, it additionally means your redemption choices are very restricted.
Conversely, the Blue Enterprise Plus card earns Amex Membership Rewards factors, which might be redeemed in many alternative methods.
Typically, you may usually get probably the most worth by transferring them to considered one of American Specific’s 21 resort or airline companions. Nevertheless, you too can use them instantly for flights and resort reservations by American Specific Journey — although these redemptions are at a set worth.
Suppose you select to not redeem your Blue Enterprise Plus factors for journey. In that case, you too can money them in for reward playing cards to cowl prices in your billing assertion, store with them instantly on Amazon, donate to charity or use Pay with Factors at checkout with varied retailers. Nevertheless, none of those choices will yield an incredible worth on your factors (1 cent or much less apiece).
Winner: Blue Enterprise Plus. You possibly can’t beat the flexibility of Amex Membership Rewards factors over primary money again.
Learn extra: What are American Specific Membership Rewards factors price?
Transferring rewards with the Blue Enterprise Money vs. Blue Enterprise Plus
The money again you earn on the Blue Enterprise Money can’t be become Amex factors, however earnings on the Blue Enterprise Plus are given within the type of factors. Meaning you may switch them to Amex’s 18 airline and three resort companions for the potential for larger worth.
TPG contributing editor Matt Moffitt has the Blue Enterprise Plus and appears out for switch bonuses to key applications equivalent to British Airways Government Membership and Virgin Atlantic Flying Membership to ebook business-class tickets on long-haul flights.
Winner: Blue Enterprise Plus. For the reason that Blue Enterprise Money earns cash-back rewards, it does not have entry to Amex’s switch companions.
Ought to I get the Blue Enterprise Money or Blue Enterprise Plus?
The primary distinction between the Blue Enterprise Plus and Blue Enterprise Money playing cards is the kind of rewards you earn. Take into account whether or not you would like to earn money again or Amex Membership Rewards factors and the journey choices they open up.
The Blue Enterprise Plus might be paired with different playing cards that earn Membership Rewards factors, such because the American Specific® Enterprise Gold Card or The Platinum Card® from American Specific, whereas the Blue Enterprise Money is restrictive as you may solely redeem its rewards as money again.
Backside line
These two small-business playing cards from Amex are strong choices for on a regular basis spending, with invaluable earnings charges and advantages for no annual price. The Blue Enterprise Money is suited to these on the lookout for the better choice with solely cash-back.
Nevertheless, the Blue Enterprise Plus is the higher choice if you happen to’re on the lookout for extra flexibility and better redemption potential.
To be taught extra, learn our full critiques of the Blue Enterprise Money and Blue Enterprise Plus playing cards.
Apply right here: Blue Enterprise Money
Apply right here: Blue Enterprise Plus
Associated: Why the Blue Enterprise Plus stays firmly in my pockets
For charges and charges of the Amex Blue Enterprise Money card, click on right here.
For charges and charges of the Amex Blue Enterprise Plus card, click on right here.
