MaxRewards Logo
  • Home
Sign Up
MaxRewards Logo

Join over 900,000 members maximizing their rewards

Download on Google PlayDownload on the App Store
  • Facebook
  • Instagram
  • TikTok
  • LinkedIn
App
  • Best Card
  • Offers
  • Benefits
  • Insights
  • Aggregation
  • Platinum
Resources
  • About
  • Changelog
  • Careers
  • Help Center
  • Contact Us
Travel & Perks
  • Best Travel Credit Cards
  • Best Premium Credit Cards
  • Best Airline Credit Cards
  • Best Hotel Credit Cards
  • Best Welcome Offer Credit Cards
Everyday Rewards
  • Best Cash Back Credit Cards
  • Best Restaurants Credit Cards
  • Best Groceries Credit Cards
  • Best Gas & EV Credit Cards
  • Best No-Annual-Fee Credit Cards
Credit & Needs
  • Best Beginner Credit Cards
  • Best Student Credit Cards
  • Best Business Credit Cards

© 2026 MaxRewards. All Rights Reserved.

Terms & ConditionsPrivacy Policy
  1. Credit Cards
  2. The American Express Blue Business Cash™ Card
American Express

The American Express Blue Business Cash™ Card

This card is built for small business owners who want simple cash back on day-to-day spending without tracking bonus categories. It works best as an everyday business card, especially if your annual card spend stays within the first $50,000 that earns 2% back.

Welcome Offer
Earn a $250 statement credit
Annual Fee
No annual fee
Rec. Credit Score
Good
Good For
Simple business cash back
How to ApplyEstimate your value

Terms Apply. For rates and fees of The American Express Blue Business Cash™ Card, please visit the American Express website.

The American Express Blue Business Cash™ Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is The American Express Blue Business Cash™ Card worth it?

This card is great for...

General business spending

Up to $50,000 in annual card spend

No-fee business card setup

Yes, for the right business. The American Express Blue Business Cash Card is easy to recommend to owners who want a straightforward rewards card with no annual fee and don’t want to juggle categories. Earning 2% back on the first $50,000 in purchases each calendar year is a strong fit for routine expenses like software, supplies, shipping, online purchases, and other mixed business spend. The cash back also posts automatically as a statement credit, which keeps the card simple to manage.

The main limitation is what happens after that first $50,000 in annual spending, when the rate drops to 1%. Businesses with higher card spend may want a different primary card once they pass the cap. It is also not a card for international use because of the 2.7% foreign transaction fee. If your business spends mostly in the U.S. and values simplicity over travel perks or category optimization, this is a very solid no-annual-fee option.

MaxRewards

MaxRewards Verdict

A strong everyday business cash-back card for owners who want simplicity and expect to stay under the $50,000 annual 2% cap. If your spending is much higher or you regularly make purchases abroad, its value drops quickly.

Welcome Offer

Earn a $250 statement credit

after you make $3,000 in purchases on your Card in your first 3 months.

Est. Value

$250

Required Spend

$3,000

Time Frame

3 Months

Est. Value

$250

Required Spend

$3,000

Time Frame

3 Months

Earning

Rewards

The rewards structure here is simple: 2% cash back on eligible purchases up to $50,000 per calendar year, then 1% after that. That makes it easy to use for broad business spending without worrying about where each purchase falls.

CategoryRate

All Eligible Purchases (First $50,000 Per Calendar Year)

Up to $50,000 spend per year

2%

Everywhere

1%

Annual Credits & Perks

Benefits

This card does not rely on recurring credits to create value. Its appeal is mostly the no annual fee and straightforward cash-back setup, with a few extra Amex features on the side.

BenefitAnnual value
$250

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
The American Express Blue Business Cash™ CardVenue Collection
Autotracked
$0 of $250Every 12 months

Benefits

Insurance

Purchase Protection

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.


Car Rental Loss and Damage Insurance

When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.


Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.


Premium Car Rental Protection

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage.

Benefits

Status & Access

Amex Special Ticket Access

Card Members have access to purchase Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Benefits

Other

Expanded Buying Power Feature

With Expanded Buying Power, you have the option to spend above your credit limit. The amount you spend above your credit limit is due in full each month as part of your minimum payment due. Terms apply.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

16.74% - 28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

None

Late Payment

$39

For rates and fees of The American Express Blue Business Cash™ Card, please visit the American Express website.

Table of Contents

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card

How to Apply

Terms Apply. For rates and fees of The American Express Blue Business Cash™ Card, please visit the American Express website.

For rates and fees of The American Express Blue Business Cash™ Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $3,000

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $2,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $1,750

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.