American Express The Blue Business Plus Credit Card vs Gold Card
Both are American Express cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- The Blue Business Plus Credit Card 4.0% 2x base rate
- Gold Card 2.0% 1x base rate
Dining
- Gold Card 8.0% 4x, capped
- The Blue Business Plus Credit Card 4.0% 2x base rate
Groceries
- Gold Card 8.0% 4x, capped
- The Blue Business Plus Credit Card 4.0% 2x base rate
Flights
- Gold Card 6.0% 3x
- The Blue Business Plus Credit Card 4.0% 2x base rate
Flights · portal
- Gold Card · American Express Travel 6.0% 3x
Hotels · portal
- Gold Card · American Express Travel 10.0% 5x
Car rental · portal
- Gold Card · American Express Travel 4.0% 2x
Cruises · portal
- Gold Card · American Express Travel 4.0% 2x
What the numbers are doing
Gold Card's 4x on dining runs out: it applies to the first $50,000 of dining spend a year, and everything past that earns 1x.
Abroad the answer flips: The Blue Business Plus Credit Card charges a 2.7% foreign transaction fee, so once that comes off the rate Gold Card is the better card for everyday spend.
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 Gold Card $325 a year, so a thin lead in one category may not cover the difference.
| Category | Best card |
|---|---|
| Everything else | The Blue Business Plus Credit Card4.0% |
| Dining | Gold Card8.0% |
| Groceries | Gold Card8.0% |
| Flights | Gold Card6.0% |
| Flights · portal | Gold Card · American Express Travel6.0% |
| Hotels · portal | Gold Card · American Express Travel10.0% |
| Car rental · portal | Gold Card · American Express Travel4.0% |
| Cruises · portal | Gold Card · American Express Travel4.0% |
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
- The Blue Business Plus Credit Card — 4.0%
- Gold Card — 2.0%
Dining
- Gold Card — 8.0%
- The Blue Business Plus Credit Card — 4.0%
Groceries
- Gold Card — 8.0%
- The Blue Business Plus Credit Card — 4.0%
Flights
- Gold Card — 6.0%
- The Blue Business Plus Credit Card — 4.0%
Flights · portal
- Gold Card · American Express Travel — 6.0%
Hotels · portal
- Gold Card · American Express Travel — 10.0%
Car rental · portal
- Gold Card · American Express Travel — 4.0%
Cruises · portal
- Gold Card · American Express Travel — 4.0%
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