Blue Cash Preferred® Card from American Express vs The Blue Business® Plus Credit Card from American Express

This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the The Blue Business® Plus Credit Card from American Express. Each card offers unique features that cater to different spending habits and financial goals.

Card Overviews

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card is designed for individuals who frequently shop for groceries and enjoy streaming services. It provides generous cash back rewards on everyday purchases, making it ideal for families and regular consumers.

The Blue Business® Plus Credit Card from American Express

The The Blue Business® Plus Credit Card targets small business owners, offering rewards on business-related expenses. This card focuses on providing flexibility and rewards for everyday business purchases.

Detailed Feature Comparison

Rewards Highlights

Blue Cash Preferred® Card from American Express

• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses, and more.
• 3% Cash Back at U.S. gas stations.
• 1% Cash Back on other purchases.

The Blue Business® Plus Credit Card from American Express

• 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.

Pros and Cons

Blue Cash Preferred® Card from American Express

• Pros:
• High cash back rates on groceries and streaming services.
• Generous welcome bonus.
• Cash back can be redeemed as statement credits or at Amazon.com.
• Disney Bundle Credit.

• Cons:
• Annual fee after the first year.
• Cash back is limited to certain categories.

The Blue Business® Plus Credit Card from American Express

• Pros:
• No annual fee.
• Flexible rewards structure for business purchases.
• Ability to spend beyond your credit limit.

• Cons:
• Lower rewards rate compared to cash back on groceries.
• Rewards may not be as beneficial for non-business-related spending.

Who Should Consider Which Card?

The Blue Cash Preferred® Card is best for consumers who prioritize cash back on grocery and streaming purchases, making it ideal for families and regular shoppers. In contrast, The Blue Business® Plus Credit Card is suitable for small business owners who want to earn rewards on everyday business expenses and appreciate the flexibility of spending beyond their credit limit.

Conclusion

Ultimately, the choice between the Blue Cash Preferred® Card from American Express and The Blue Business® Plus Credit Card from American Express should be guided by your individual spending patterns and financial goals. Consider where you spend the most and which rewards align with your lifestyle to make the best decision.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”