Comparison The Blue Business® Plus Credit Card from American Express vs Bank of America® Customized Cash Rewards Credit Card for Students
Compare a flexible business rewards card with a student-focused cash back card to see which one best fits your needs.
The Blue Business® Plus Credit Card from American Express
★ 4.7 NerdWallet rating
APPLY NOW
on American Express’s website
Bank of America® Customized Cash Rewards Credit Card for Students
★ 4.5 NerdWallet rating
APPLY NOW
on Bank of America’s website
Compare Features
📊 Recommended Credit Score
Score Range
690-850
Good – Excellent
670-850
Fair – Excellent
💚 Great For
Categories
- Business Rewards
- Membership Rewards Points
- No Annual Fee
- Flexible Spending
- Student Rewards
- Cash Back
- Flexible Categories
- No Annual Fee
💳 Annual Fee
Amount
$0
$0
🎁 Bonus Offer
Details
Earn 2X Membership Rewards® points on the first $50,000 in purchases each year, then 1X points after that.
Earn a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days.
Summary & Opinion
The Blue Business® Plus Credit Card from American Express is perfect for small businesses seeking flat-rate rewards and flexibility. With 2X points on the first $50,000 annually and a $0 annual fee, it’s an excellent tool for managing everyday business expenses while earning valuable Membership Rewards® points.
The Bank of America® Customized Cash Rewards Credit Card for Students is tailored to help students build credit while enjoying flexible rewards. With 3% cash back in a category of your choice, a $200 welcome bonus, and no annual fee, it’s a great starter card for students wanting to maximize everyday spending.
Choose the Blue Business® Plus if you need a business-focused card with strong rewards and expense management tools. Pick the Customized Cash Rewards for Students if you’re starting your credit journey and want a versatile cash back program without added costs.
The Bank of America® Customized Cash Rewards Credit Card for Students is tailored to help students build credit while enjoying flexible rewards. With 3% cash back in a category of your choice, a $200 welcome bonus, and no annual fee, it’s a great starter card for students wanting to maximize everyday spending.
Choose the Blue Business® Plus if you need a business-focused card with strong rewards and expense management tools. Pick the Customized Cash Rewards for Students if you’re starting your credit journey and want a versatile cash back program without added costs.
Frequently Asked Questions
Both cards can help build credit, but the Bank of America Student card is specifically designed for students and first-time cardholders, making it easier to get approved.
No — both the Blue Business® Plus and the Bank of America Student card have no annual fee, making them cost-effective options.
The Blue Business® Plus earns 2X points on up to $50,000 per year, making it ideal for consistent business spending. The Student card shines with 3% cash back in your chosen category but may earn less overall if your spending isn’t concentrated in that area.
The Bank of America Student card is best for those just starting out with credit and looking for simple, flexible rewards. The Blue Business® Plus is better suited for business owners or freelancers managing higher monthly expenses.
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