Is American Express Blue Business Cash™ Card worth it?

The American Express Blue Business Card is a versatile business credit card that offers a flexible rewards program, allowing you to earn Membership Rewards points on a variety of business expenses, from office supplies to travel. With no annual fee and valuable benefits like purchase protection and extended warranties, it's an excellent choice for businesses seeking a straightforward and cost-effective way to earn rewards.

What credit score do I need to get American Express Blue Business Cash™ Card?

The recommended credit score for American Express Blue Business Cash™ Card is Good to Excellent.

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American Express Blue Business Cash™ Card

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Rates and Fees

Annual Fee: $0

Bonus Miles

Cash Back

$250

Recommended Credit

Good to Excellent

Current Offer

Earn a $250 statement credit after you spend $3,000 in purchases in the first three months of card membership.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

$250

Cash Back

Earn a $250 statement credit after you spend $3,000 in purchases in the first three months of card membership.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

For American Express products listed in this page, Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Summary

The American Express Blue Business Cash™ Card is a cashback business credit card designed for business owners who want to earn cashback on their business expenses. It offers a straightforward and unlimited cashback structure, making it easy to earn rewards without dealing with complex categories.

Earning Rewards

2% cash-back per $1 on all eligible purchases on up to $50,000 per calendar year
1% cash-back per $1 on purchases thereafter

Additional Benefits

Foreign Transaction Fee

Rates and Fees

2.7% of transaction amount in USD

Also consider

Capital One Spark Cash Plus

Annual Fee: $150

Rates & Fees | Terms Apply

$2,000

Cash Back

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!

$2,000

Cash Back

The Capital One Spark Cash Plus is a business credit card designed for small and large businesses alike, offering unlimited 2% cash back on all purchases, making it an excellent choice for companies looking to maximize their rewards on business spending.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🚀 Learn How to Apply

👀 Read Our Take

🏆 Best Business Card with $0 Annual Fee

Ink Business Unlimited® Credit Card

🏆 Best Business Card with $0 Annual Fee

Annual Fee: $0

Rates & Fees | Terms Apply

$900

Cash Back

ELEVATED OFFER

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$900

Cash Back

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

The Ink Business Unlimited® Credit Card is one of the BEST business cards on the market with no annual fee! With this card, you can earn unlimited cash back on all your business purchases, and it offers a simple and straightforward way to manage expenses, making it a practical choice for businesses of all sizes.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🚀 Learn How to Apply

👀 Read Our Take

American Express Blue Business Cash™ Card

CURRENT OFFER

$250

Cash Back

Earn a $250 statement credit after you spend $3,000 in purchases in the first three months of card membership.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Learn More Rates & Fees

REWARDS RATE

1-2% cash back

ANNUAL FEE

Our Score

Annual Fee (20%)

Welcome Offer (20%)

Rewards Rates (20%)

Redemption Value (15%)

Card Benefits & Perks (15%)

Travel Protections (10%)

Our Take

Comparable Cards

No items found.

FULL COMPARISON

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

Straightforward cashback rewards on all eligible purchases
No annual fee
Access to expense management tools and features, making accounting and budgeting easier

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Cons

The cashback rate may be lower compared to some specialized category-specific business cards

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Rewards Summary

2% cash-back per $1 on all eligible purchases on up to $50,000 per calendar year
1% cash-back per $1 on purchases thereafter

Additional Benefits

How to make the most of your