American Express® Blue Business Plus vs PayPal Cashback Mastercard
Side-by-side comparison
| American Express® Blue Business Plus | PayPal Cashback Mastercard | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 15,000 Membership Rewards® Points | No current offer |
| Advertising | 2% | 1.5% |
| Shipping | 2% | 1.5% |
| Office supplies | 2% | 1.5% |
| Phone & internet | 2% | 1.5% |
| Travel | 2% | 1.5% |
| Everything else | 2% | 1.5% |
| Est. yearly rewards* | $900 | $675 |
| 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 PayPal Cashback Mastercard about $675, 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 PayPal Cashback Mastercard has no annual fee, so its rewards are all profit. Counting rewards and any credits, the American Express® Blue Business Plus delivers more total value, about $225 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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 PayPal Cashback Mastercard pays plain cash back. Favor the American Express® Blue Business Plus if you will use travel transfers, the PayPal Cashback Mastercard 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.
Pick the American Express® Blue Business Plus if your spending leans toward advertising, shipping, office supplies.