American Express Blue Business Cash Card Review
American Express · Business owners who prefer straightforward cash back
4.4 / 5 (1345 reviews)
Annual Fee
No annual fee
Rewards
2% cash back on first $50K/yr, 1% after
Regular APR
18.49% – 26.49%
Credit Needed
Good (670-749)
Our Expert Verdict
8/10
Editor's Score
The 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.
Pros
- No annual fee
- 2% flat rate on all spending
- Intro APR offer
- Expanded buying power
Cons
- 2.7% FTF
- $50K annual cap on 2%
- Cash back only — no transfer option
Sign-Up Bonus
$250 statement credit after spending $3,000 in 3 months
Key Benefits & Perks
2% cash back up to $50K/yr
No annual fee
0% intro APR for 12 months
Expanded buying power
Year-end summary
Rewards Breakdown
| Category | Rate |
|---|---|
| All Purchases (first $50K/yr) | 2% |
| Everything else | 1% |
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Business owners who prefer straightforward cash back
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