American Express · Amex
Blue Business Cash
Simple 2% cash back on all business spending
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN). It never competes in our consumer rankings — see the business ranking instead.
No annual fee
Why people consider it
- 2x on everything (first $50,000/yr, then 1x).
- 2x everything else + 2x groceries.
Elevated welcome offer
Above the recent 250 offer (about $250)
Current: $500
Recent typical offer: $250
Current offer is 100% higher than recent typical offers.
Welcome offer: +$500
Requirement: Spend $5,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: As high as $500 back after $5,000 spend in 3 months — the amount varies by applicant (Amex shows yours before you accept the card); the prior public offer was $250 after $3,000. Verified 2026-10-28 on the Amex product page.
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Calculate my rewards → Enter your monthly spending and see exactly how much this card would earn you compared to every other card we track. Already carry it? Add it to My Cards →
Is this card worth it?
Ongoing value
$1,076/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,576 first year
Includes: +$500 welcome offer
$500 is one-time. $1,076/year is ongoing.
To earn the bonus: spend $5,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- Drops to 1% after $50k/yr 2% lower than specialized category cards
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
All eligible purchases — first $50,000/yr combined, then 1x
Optional benefits and credits
Perks (not counted in our math)
Spend above your credit limit (Amex determines how much)
Add up to 99 employee cards at no cost
Covers eligible purchases against damage/theft for 90 days
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN).
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + No annual fee
- + 2% on everything up to $50k/yr — simple and strong
- + No category tracking
- + Employee cards free
- + Expanded buying power for larger purchases
Cons
- - Drops to 1% after $50k/yr
- - 2% lower than specialized category cards
- - No transfer partners (cash back only)
- - Requires Amex acceptance (less universal than Visa)
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.