Blue Business Plus Credit Card vs Signify Business Cash
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Blue Business Plus Credit Card
Estimated value every year on typical spending
$250/ year
Every year, after the annual fee. Year one adds a $400 welcome bonus: $650
Signify Business Cash
Estimated value every year on typical spending
$624/ year
Every year, after the annual fee. Year one adds a $500 welcome bonus: $1,124
The short answer
- On typical spending, the Wells Fargo Signify Business Cash comes out ahead: about $624 a year after its fee, against $250 for the American Express Blue Business Plus Credit Card.
- The Wells Fargo Signify Business Cash earns more on groceries, dining, gas, travel, everything else.
Side by side
| Blue Business Plus Credit Card | Signify Business Cash | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 2X points on the first $50,000 of eligible purchases per calendar year; 1X points on purchases thereafter, with no category restrictions and no annual fee | 2% cash rewards on purchases for your business – without caps or spending categories |
| Welcome bonus | AS HIGH AS 50,000 Membership Rewards® Points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. | Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months. |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 12 months | 0% for the first 12 months |
| Regular APR | 16.99% to 28.74% variable | 16.99% to 24.99% variable |
| Foreign transaction fee | None | Not specified |
| Credit needed | Not specified | Not specified |
Yearly rewards by category
| Category (monthly spend) | Blue Business Plus Credit Card | Signify Business Cash |
|---|---|---|
| groceries ($500) | $48 | $120 |
| dining ($400) | $38 | $96 |
| gas ($200) | $19 | $48 |
| travel ($300) | $29 | $72 |
| everything else ($1,200) | $115 | $288 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the American Express Blue Business Plus Credit Card or the Wells Fargo Signify Business Cash?
On typical spending the Wells Fargo Signify Business Cash is worth more: about $624 a year after its fee, against $250 for the American Express Blue Business Plus Credit Card. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Wells Fargo Signify Business Cash. On $500 a month of groceries it earns about $120 a year, against $48 with the American Express Blue Business Plus Credit Card.
Which is better for dining?
The Wells Fargo Signify Business Cash. On $400 a month of dining it earns about $96 a year, against $38 with the American Express Blue Business Plus Credit Card.
Which is better for travel?
The Wells Fargo Signify Business Cash. On $300 a month of travel it earns about $72 a year, against $29 with the American Express Blue Business Plus Credit Card.
Which is better for gas?
The Wells Fargo Signify Business Cash. On $200 a month of gas it earns about $48 a year, against $19 with the American Express Blue Business Plus Credit Card.
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Open CompareCard details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.