Cash back · American Express · No annual fee
Last verified 2026-09-09. Review issuer source
American Express Blue Business Cash is a no-annual-fee cash back card from American Express. Its best everyday rates are 2% on everything; everything else earns 1%. Everything is capped at $50,000 a year, then drops to the base rate.
On our reference budget of $73,200 a year it returns about $732, an effective 1% back. The welcome bonus, $250 after $3,000 in 3 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do. It charges 2.7% on foreign purchases, so leave it home when you travel abroad.
Cap: $50,000 per annual
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory 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. Please read important exclusions and restrictions.
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.
Whenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services , including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance.
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the .
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Blue Business Cash™This card · 2% on everything | None | $732 | +$732 | 312th of 752 |
| Business GoldAmerican Express's most-held other card · 4x on advertisements | $375 | $1,848 | +$1,473 | 7th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
