American Express® Blue Business Plus vs Apple Card
Side-by-side comparison
| American Express® Blue Business Plus | Apple Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 15,000 Membership Rewards® Points | No current offer |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $900 |
| Points type | Transfers to airlines & hotels | Cash back only |
| Network | Amex | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express® Blue Business Plus earns about $900 a year in rewards and the Apple Card about $900, valuing every point at a flat 1 cent. The American Express® Blue Business Plus has no annual fee, so its rewards are all profit. The Apple Card has no annual fee, so its rewards are all profit. These two are about as close as cards get: both pay a flat 2x on everything, neither charges an annual fee, and on that spending they finish within a few dollars of each other. The choice is not really about the rewards rate. The bigger difference is the ceiling: the American Express® Blue Business Plus earns points you can move to travel partners for outsized value, while the Apple Card pays plain cash back. Favor the American Express® Blue Business Plus if you will use travel transfers, the Apple Card if you want simplicity. On the sign-up bonus, the American Express® Blue Business Plus currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.