Blue Business Cash™
A flat 2% cash-back card with no annual fee, capped at $50,000 of spend per year — well above what most small businesses charge monthly, so the cap rarely bites in practice.
Blue Business Cash™ at a glance
Issued by American Express. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–26%
- Intro APR
- 0% on purchases for 12 months
- Foreign transaction fee
- 2.7%
Rewards
2% cash back on all eligible purchases up to $50,000/yr, then 1%
Blue Business Cash™'s annual fee vs. the cheapest and priciest cards on the marketplace
Blue Business Cash™ vs. similar Cash back
| Criterion | Blue Business Cash™ | Ink Business Unlimited® | Ink Business Cash® |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Regular APR | Variable, ~18–26% | Variable, ~18–24% | Variable, ~18–24% |
| Foreign transaction fee | 2.7% | 3% | 3% |
| Credit needed | Good/Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Blue Business Cash™ charges a 2.7% foreign transaction fee. On recurring international vendor or contractor payments, that adds up faster than the rewards rate offsets it — if that's a regular expense for your business, weigh a card with no foreign transaction fee even if its rewards rate is lower.
Pros
- +No annual fee
- +2% flat rate beats most no-fee competitors
- +Cash back applied automatically, nothing to redeem
Cons
- −Drops to 1% after $50k/yr in spend
- −2.7% foreign transaction fee
Blue Business Cash™ has no annual fee, requires good/excellent credit, and offers 0% on purchases for 12 months as an intro APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Businesses with moderate spend that want automatic cash back
We don't have a partnership with American Express — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.