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American Express The Blue Business Plus Credit Card vs Business Gold Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. The Blue Business Plus Credit Card 4.0% 2x base rate
  2. Business Gold Card 2.0% 1x base rate

Flights · portal

  1. Business Gold Card · American Express Travel 6.0% 3x

Hotels · portal

  1. Business Gold Card · American Express Travel 6.0% 3x

What the numbers are doing

Abroad the answer flips: The Blue Business Plus Credit Card charges a 2.7% foreign transaction fee, so once that comes off the rate Business Gold Card is the better card for everyday spend.

Business Gold Card lets you choose 2 categories to earn 4x on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.

The table is earn rate only — annual fees are not netted out of it. These cards charge The Blue Business Plus Credit Card $0 and Business Gold Card $375 a year, so a thin lead in one category may not cover the difference.

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Pass content preview
CategoryBest card
Everything elseThe Blue Business Plus Credit Card4.0%
Flights · portalBusiness Gold Card · American Express Travel6.0%
Hotels · portalBusiness Gold Card · American Express Travel6.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. The Blue Business Plus Credit Card — 4.0%
  2. Business Gold Card — 2.0%

Flights · portal

  1. Business Gold Card · American Express Travel — 6.0%

Hotels · portal

  1. Business Gold Card · American Express Travel — 6.0%
Add to Apple Wallet

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iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

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