American Express · Amex
Blue Business Cash
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.
Annual Fee
$0
Sign-Up Bonus
$250
Current offer shown; issuer determines eligibility.
Spend $3,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Simple 2% cash back on all business spending
Sign-Up Bonus
Bonus: 250 cash
Details: $250 statement credit after $3,000 spend in 3 months
Requirement: Spend $3,000 in 3 months
Estimated value: $250Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
2% cash back on all eligible purchases up to $50,000/yr, then 1%
Cap: $50,000/yr
Key Benefits
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
Pros & Cons
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)
Rates and fees may vary.See current rates, fees, and terms on American Express's site
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
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
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.