American Express Blue Business Plus vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of American Express Blue Business Plus and The Plum Card from American Express — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Blue Business Plus wins on our scorecard (8.5/10 vs 7.1/10).
| Scored on | American Express Blue Business Plus | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 7 | 6 |
| Features | 8 | 8 |
| Annual Fee | $0 | $250 |
| Foreign Transaction Fee | 2.7% | $0 |
| Purchase APR | 18.49% - 26.49% Variable | — |
| Intro APR | 0% for 12 months | — |
| Employee Cards | $0 | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | $39 or 2.99% |
American Express Blue Business Plus in one paragraph
The best 'set-it-and-forget-it' card for businesses spending under $50,000 a year who value flexible travel rewards over simple cash back.
Skip it if: You spend more than $5,000 per month or frequently purchase inventory from international suppliers who trigger the 2.7% foreign transaction fee.
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
Frequently asked questions
Which is better, American Express Blue Business Plus or The Plum Card from American Express?
On our five-axis scorecard, American Express Blue Business Plus scores higher (8.5/10 vs 7.1/10). The best 'set-it-and-forget-it' card for businesses spending under $50,000 a year who value flexible travel rewards over simple cash back.
Who should skip American Express Blue Business Plus?
You spend more than $5,000 per month or frequently purchase inventory from international suppliers who trigger the 2.7% foreign transaction fee.
Who should skip The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.