American Express Blue Business Cash Card
No fee
American Express
American Express Blue Business Cash Card
4.4
(1,345 reviews)businesscashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The cash back sibling of the Blue Business Plus. Earn 2% on all purchases up to $50K per year (then 1%) with no annual fee. The 0% intro APR for 12 months is great for financing a large purchase. Choose this over the BBP if you prefer cash back over Membership Rewards.
Annual Fee
No annual fee
Purchase APR
18.49% – 26.49%
Rewards
1% base rate
Sign-Up Bonus
$250 value
Credit Score
Good (670-749)
Foreign Txn Fee
2.7%
Who Should Get This Card
The American Express Blue Business Cash Card is best suited for established credit users who business owners who prefer straightforward cash back. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- No annual fee
- 2% flat rate on all spending
- Intro APR offer
- Business owners who prefer straightforward cash back
Consider another card if you…
- 2.7% FTF
- $50K annual cap on 2%
- Cash back only — no transfer option
Rewards Breakdown
2% cash back on first $50K/yr, 1% after
| Category | Rate |
|---|---|
| All Purchases (first $50K/yr)(2% cash back on up to $50,000/yr) | 2% |
| Everything else | 1% |
Rewards Distribution
2%
top rate
All Purchases (first $50K/yr)2%67%
Everything else1%33%
Sign-Up Bonus
$250 statement credit after spending $3,000 in 3 months
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 18.49% – 26.49% |
| Intro APR (Purchases) | 0% for 12 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | 2.7% |
| Late Fee | Up to $40 |
Pros & Cons
No annual fee
2% flat rate on all spending
Intro APR offer
Expanded buying power
2.7% FTF
$50K annual cap on 2%
Cash back only — no transfer option
The Bottom Line
The Good: The American Express Blue Business Cash Card stands out for its no annual fee. The welcome bonus worth $250 adds significant first-year value.
The Not So Good: 2.7% FTF.
Our Verdict: With an editor score of 8/10, the American Express Blue Business Cash Card is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the American Express Blue Business Cash Card?▾
The American Express Blue Business Cash Card has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the American Express Blue Business Cash Card?▾
The American Express Blue Business Cash Card currently offers a sign-up bonus worth approximately $250. $250 statement credit after spending $3,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the American Express Blue Business Cash Card?▾
The American Express Blue Business Cash Card earns 1% on all purchases, and up to 2% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the American Express Blue Business Cash Card?▾
The American Express Blue Business Cash Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the American Express Blue Business Cash Card charge a foreign transaction fee?▾
Yes, the American Express Blue Business Cash Card charges a 2.7% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the American Express Blue Business Cash Card?▾
The American Express Blue Business Cash Card has a variable purchase APR of 18.49% – 26.49%, with a 0% intro APR for the first 12 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the American Express Blue Business Cash Card best for?▾
The American Express Blue Business Cash Card is best for Business owners who prefer straightforward cash back. A key advantage: no annual fee.
Customer Reviews
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