The American Express Blue Business Cash® Card

The American Express Blue Business Cash Card is a straightforward, no-annual-fee option for small business owners who want reliable cash back without managing spending categories. It delivers 2% cash back on up to $50,000 in eligible purchases each calendar year, making it ideal for streamlined everyday business expenses.

Welcome Offer

Earn a $250 statement credit

Annual Fee

No annual fee

Rec. Credit Score

Good

Good For

Small business everyday spending

How to Apply Estimate your value

Terms Apply.

The American Express Blue Business Cash® Card

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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...

Predictable business expenses

Automatic cash back credits

No-fee business overhead

If your business spends up to $50,000 per year across broad operating categories, this card offers incredible simplicity and solid value. Earning a flat 2% cash back without tracking bonus categories takes the guesswork out of business expenses, and because earnings automatically apply as statement credits, managing rewards requires zero maintenance. The lack of an annual fee ensures that every dollar earned goes straight to your bottom line.

However, high-spending businesses that regularly exceed the $50,000 annual cap will see their return drop to 1% for remaining purchases, at which point an uncapped card might yield more overall return. Additionally, a 2.7% foreign transaction fee makes this a poor fit for international travel or overseas supplier purchases. For domestic, moderate-spending small businesses, it remains one of the cleanest cash-back tools available.

MaxRewards Verdict

This card is a standout pick for small business owners seeking easy 2% cash back without an annual fee, provided annual spending stays under $50,000 and operations are domestic.

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

Earnings on this card are straightforward cash back applied directly to your monthly statement, eliminating the need to track points or redeem rewards manually.

CategoryRate

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

Up to $50,000 spend per year

Everywhere

Annual Credits & Perks

Benefits

Beyond cash rewards, the card includes essential business tools and standard purchase protections that add practical value without an extra fee.

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

Venue Collection

Autotracked

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

Purchase APR

16.74% - 28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

None

Late Payment

$39

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

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The Business Platinum Card® from American Express

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

Worth $4,500

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.

7.5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
3%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
1.5%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold Card

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

Worth $3,000

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.

6%Top Two Eligible Categories
4.5%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
1.5%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®

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

Worth $2,625

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.