American Express Blue Business Plus vs Ramp Card: which one fits your business?
Side-by-side comparison of American Express Blue Business Plus and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.5/10 vs 8.3/10).
| Scored on | American Express Blue Business Plus | Ramp Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 9 | 10 |
| Customer support | 7 | 7 |
| Features | 8 | 9 |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | 2.7% | None |
| Late Payment Fee | Up to $40 | Varies by contract |
| Additional Employee Cards | — | $0 |
American Express Blue Business Plus in one paragraph
The best no-annual-fee business card for simple 2x rewards on the first $50,000 of annual overhead.
Skip it if: You spend more than $50,000 a year or frequently pay international vendors.
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Frequently asked questions
Which is better, American Express Blue Business Plus or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 8.3/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Who should skip American Express Blue Business Plus?
You spend more than $50,000 a year or frequently pay international vendors.
Who should skip Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.