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Business banking · November 2026 Edition
Bluevine vs American Express Business Checking
Zero of fourteen models named Bluevine first on the direct prompt; zero named American Express Business Checking. Bluevine was named by thirteen of the fourteen models and American Express Business Checking by eleven and Bluevine carries 35 labels and American Express Business Checking 16, so the shares are not directly comparable.
Named in two categories this edition.
Named in one category this edition.
First-choice share13%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate11%6%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#2#6A position in a field of 16; printed, not drawn.
Labels3516A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Bluevine reading right to left. Rank and label count are printed, not drawn.Mercury vs Bluevine · Mercury vs American Express Business Checking · Bluevine vs Brex
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the business banking page.
By framing
How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
BluevineFirst choices, of fourteen modelsAmerican Express Business Checking
Direct00
Paraphrase101 against Bluevine
Comparative00
Budget-constrained61
Scale-constrained00
Negative003 against Bluevine · 1 against American Express Business Checking
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.
Across every category in the November 2026 Edition, Bluevine and American Express Business Checking were named in the same answer twenty-six times, of the 115 answers naming Bluevine and the 32 naming American Express Business Checking. In those answers American Express Business Checking took the first choice three times and Bluevine five.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Bluevine and American Express Business Checking stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | | ||||
| GPT-5.4 mini | | |||||
| Gemini 3.5 Flash | | | | |||
| Perplexity Sonar | | | ||||
| Grok 4.20 | | | | | ||
| Mistral Small | | | ||||
| DeepSeek V4 Flash | | | | | ||
| Llama 4 Maverick | | | ||||
| Qwen 3.7 Flash | | | | |||
| Kimi K2 | ||||||
| GLM 4.7 FlashX | | | ||||
| MiniMax M2.5 | | | ||||
| GPT-6 Luna | | | | |||
| Muse Glimmer 30B | | |
Bluevine American Express Business Checking first choice named as an alternative argued againstblank: not namedEach cell is one answer, Bluevine on the left and American Express Business Checking on the right.The direct prompt
The plain question, one answer per model, grouped by where Bluevine and American Express Business Checking stood in it.
Neither was the first choice, one was named
2 of 14 modelsThe answer put something else first and named one of the two as an alternative.Grok 4.20Bank of America alternatives: Bluevine, Brex, Chase Business Banking, Citibank, Mercury, PNC Bank, Texas Capital Bank
MiniMax M2.5Chase Performance Business Checking alternatives: American Express Business Checking, Mercury, PNC Bank, TD Business Premier Checking
Neither was named
12 of 14 modelsThe answer made no first choice from these two in this category.Claude Haiku 4.5Brex alternatives: Chase Business Banking, Mercury, Relay
GPT-5.4 miniJ.P. Morgan Commercial Banking alternatives: Bank of America
Gemini 3.5 FlashJPMorgan Chase – Middle Market Banking & Specialized Industries alternatives: Bank of America Global Commercial Banking, Brex, PNC Bank – Treasury Management, Ramp, Silicon Valley Bank, Wells Fargo – Commercial Banking
Perplexity SonarChase Commercial Banking alternatives: Airwallex, Bank of America, Brex, Mercury, Ramp, Rho, U.S. Bank
Mistral SmallPNC Bank, TD Business Premier Checking alternatives: Axos Bank Basic Business Checking, Capital One Business Savings & Checking, Chase Business Banking
DeepSeek V4 FlashChase Performance Business Checking alternatives: Capital One Enhanced Checking, KeyBank Business Reward Checking, Mercury, PNC Bank, Rho
Llama 4 Maverickno first choice
Qwen 3.7 FlashCamber, Mercury alternatives: Bank of America Business Advantage Fundamentals, Signature Bank, TD Bank Business Checking, Umpqua Bank
Kimi K2Brex alternatives: Bank of America, First Internet Bank, Mercury
GLM 4.7 FlashXBank of America - Business Advantage 360, PNC Bank - Treasury Enterprise Plan alternatives: Chase - Performance Business Checking, First Internet Bank - Commercial Analyzed Checking, Frost Business Checking Plus
GPT-6 LunaJ.P. Morgan Commercial Banking alternatives: Bank of America, Citibank
Muse Glimmer 30BPNC Bank alternatives: Bank of America, Brex, First Internet Bank
Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Bluevine leads by eighteen points.
Bluevine24%#2 of 14American Express Business Checking6%#5 of 14Mid-marketThe figures above
Bluevine leads by eleven points.
Bluevine13%#2 of 16American Express Business Checking2%#6 of 16Enterprise
Level: the same share of first choices.
Bluevine0%#– of 13American Express Business Checking0%#– of 13What the models said about Bluevine
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“Similar rate (13.2 negative reviews/month), with ~44% tied to freezes/closures.” Grok 4.20 · negative prompt · hard negative
“platforms (like Relay or Bluevine) often fall short on ERP integrations, custom approval workflows, high transaction limits” Gemini 3.5 Flash · paraphrase prompt · soft negative
“I wouldn't say "avoid" across the board. I would treat them as products to vet carefully” GPT-6 Luna · negative prompt · soft negative
“Start with Mercury (treasury + invoicing + payroll) or Bluevine (low fees + high yields). Both have strong track records” GLM 4.7 FlashX · paraphrase prompt · first choice
“Bluevine Business Checking Standard is my best default for a company on a tight budget” GPT-6 Luna · budget prompt · first choice
“Bluevine is highly recommended for fee-free checking, high APYs” Mistral Small · budget prompt · first choice
What the models said about American Express Business Checking
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.
“American Express: It has received two enforcement orders in October 2026.” Llama 4 Maverick · negative prompt · hard negative
“The best business bank account for a company with a limited budget is Amex Business Checking” Llama 4 Maverick · budget prompt · first choice
“good for those looking to get a simple low-cost business checking account and do most of their business online” Claude Haiku 4.5 · budget prompt · alternative
“Choose American Express for straightforward online checking plus customer support and interest.” Perplexity Sonar · comparative prompt · alternative
Also compared
Mercury vs BluevineMercury vs American Express Business CheckingBluevine vs BrexBluevine vs RhoBluevine vs PNC BankBluevine vs Axos Bank Basic Business CheckingBluevine vs Bank of AmericaBrex vs American Express Business CheckingRho vs American Express Business CheckingPNC Bank vs American Express Business CheckingAmerican Express Business Checking vs Axos Bank Basic Business CheckingAmerican Express Business Checking vs Bank of AmericaAll twenty-eight head-to-head pages and the full business banking standing
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.