The Blue Business Plus Credit Card from American Express vs Smart Option Visa

Side-by-side comparison of The Blue Business Plus Credit Card from American Express and Smart Option Visa. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	The Blue Business Plus Credit Card from American Express	Smart Option Visa
Issuer	American Express	First Citizens Bank
Network	American Express	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.00%	0.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	2.7%	3%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	0.0% (base)
All Purchases	2.0%	0.0% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	20 partners	None
Annual Credits	None	None

Transfer Partners

1:1

—

Pricing Details

Purchase APR	9.99% - 21.74%	15.24% - 25.24%
Cash Advance APR	28.74%	25.24%
Penalty APR	29.99%	N/A
Late Fee	$40	$40
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	Secondary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard