American Express® Blue Business Plus vs Citi Double Cash®
Side-by-side comparison
| American Express® Blue Business Plus | Citi Double Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 15,000 Membership Rewards® Points | $200 cash back |
| 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 | Pools with Citi → transferable |
| 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 Citi Double Cash® 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 Citi Double Cash® 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. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. One tiebreaker: the American Express® Blue Business Plus adds no foreign transaction fees, which the other does not. On the sign-up bonus, the Citi Double Cash® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.