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2% Cash Back on $50K With $0 Annual Fee
Earn 2% cash back on all eligible business purchases up to $50,000 per year with no annual fee, no category tracking, and automatic statement credits. Up to 99 free employee cards with spending controls.
$0
Annual Fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Network
—
Rewards Currency
Cash
Credit Required
Good to Excellent
Benefits & Perks
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Reimbursement for purchases damaged, stolen, or lost within 90 days. Premium cards up to $10K/item, $50K annual max.
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
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
| Purchase APR | 16.74%–26.74% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee |
2% Cash Back on $50K With $0 Annual Fee
Earn 2% cash back on all eligible business purchases up to $50,000 per year with no annual fee, no category tracking, and automatic statement credits. Up to 99 free employee cards with spending controls.
$0
Annual Fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Network
—
Rewards Currency
Cash
Credit Required
Good to Excellent
Benefits & Perks
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Reimbursement for purchases damaged, stolen, or lost within 90 days. Premium cards up to $10K/item, $50K annual max.
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
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
| Purchase APR | 16.74%–26.74% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee |
2% Cash Back on $50K With $0 Annual Fee
Earn 2% cash back on all eligible business purchases up to $50,000 per year with no annual fee, no category tracking, and automatic statement credits. Up to 99 free employee cards with spending controls.
$0
Annual Fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Network
—
Rewards Currency
Cash
Credit Required
Good to Excellent
Benefits & Perks
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Reimbursement for purchases damaged, stolen, or lost within 90 days. Premium cards up to $10K/item, $50K annual max.
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
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
| Purchase APR | 16.74%–26.74% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee |
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 5 years or less.
Reimbursement up to $300/item ($1K annually) when merchant won't accept return within 90 days. Premium cards only.
Simple flat-rate 2% cash back on all purchases up to $50K/year, then 1%. No annual fee, 0% intro APR for 12 months. Best for small businesses under $50K annual spend.
The card lacks comprehensive travel rewards, offering only a small cash back structure instead. While it does not require a yearly cost, travel enthusiasts will find better value with options offering more substantial benefits.
Although the American Express Blue Business Cash card charges **no annual fee**, that is its main highlight. We rarely recommend cash back cards, since we are generally pursuing free travel rewards. This card does not provide those, offering only a small welcome offer and a flat percentage of cash back on all spending. If you are willing to pay an annual fee, there are more beneficial cards available.
You can earn a **$250 cash back welcome offer** by spending $3,000 in the first three months. You will also earn a flat 2% cash back on all purchases, up to $50,000 per year, making this card easy to use with no advanced planning required. It provides a few travel and purchase protections, such as car rental loss and damage insurance, extended warranty, and purchase protection. Since this is a business card, it will not count against your 5/24 status.
Here are some reasons why this card may not be right for you:
- You will not earn any free travel, as there are no travel rewards beyond car rental loss and damage insurance.
- The welcome offer is small. If you are comfortable with paying an annual fee, there are better offers from other business cards.
American Express offers several business cards, giving you multiple options depending on your rewards goals. The American Express Blue Business Plus card is quite similar to the Blue Business Cash card—both have no annual fee and earn rewards on everyday spending. However, the Blue Business Plus card earns Membership Rewards points instead of straight cash back, which can be beneficial for travel if you transfer points to airline or hotel partners.
- Key difference: The welcome offer on the Blue Business Plus is lower (15,000 points), but those points can be redeemed for travel rather than only for cash back.
- Another option: The American Express Business Green card, which lets you earn Membership Rewards points, is generally not recommended. Its benefits and sign-up bonus do not justify the $95 annual fee for most users.
If you want to take your travel rewards strategy even further, consider the American Express Business Gold or American Express Business Platinum cards. These cards have significantly higher annual fees, but their larger welcome offers (100,000 points for the Gold and 200,000 for the Platinum) and numerous statement credits can outweigh those fees, especially in the first year. If the credits and perks align with your spending patterns or travel style, you may even find that keeping one or both cards beyond the first year is worthwhile.
| 2.7% |
| Authorized User Fee | $0 (first 99 free) |
Blue Business family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Amex Blue Business Plus | mid | $0 |
Product changes available between family members without a new credit inquiry.
Comprehensive TPG review covering 2% cash back on $50K, $250 welcome offer, Expanded Buying Power, and comparison to Ink Business Cash and Blue Business Plus. Card rating: 3.5/5 stars.
CNBC Select calls it an all-around excellent business cash-back card with no annual fee and above-average return on spending. Covers rewards, benefits, and business expense tracking features.
In-depth NerdWallet review covering 2% cash back rate, 0% intro APR, employee cards, Expanded Buying Power, and comparison to Ink Business Unlimited and US Bank Triple Cash. Rating: 4.5/5.
Forbes review of the Blue Business Cash covering flat-rate 2% cash back, simplicity of rewards structure, and suitability for small business owners seeking straightforward rewards.
WalletHub analysis of the Blue Business Cash including user reviews, expert ratings, and comparison data. Covers 2% cash back rewards, no annual fee, and credit score requirements.
Credit Karma review covering 2% cash back on up to $50,000 annually, 1% thereafter, welcome offer details, and suitability for various business spending profiles.
US News review evaluating the Blue Business Cash as a business card with simple rewards structure and no annual fee. Recommended credit: Excellent to Good.
CompareCards listing with APR details (16.74%-26.74% variable), 0% intro APR for 12 months, and card comparison tools for business cash back cards.
Yahoo Finance review noting this no-annual-fee card offers straightforward cash back without complicated bonus categories. Coverage of rewards structure and business card benefits.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 5 years or less.
Reimbursement up to $300/item ($1K annually) when merchant won't accept return within 90 days. Premium cards only.
Simple flat-rate 2% cash back on all purchases up to $50K/year, then 1%. No annual fee, 0% intro APR for 12 months. Best for small businesses under $50K annual spend.
The card lacks comprehensive travel rewards, offering only a small cash back structure instead. While it does not require a yearly cost, travel enthusiasts will find better value with options offering more substantial benefits.
Although the American Express Blue Business Cash card charges **no annual fee**, that is its main highlight. We rarely recommend cash back cards, since we are generally pursuing free travel rewards. This card does not provide those, offering only a small welcome offer and a flat percentage of cash back on all spending. If you are willing to pay an annual fee, there are more beneficial cards available.
You can earn a **$250 cash back welcome offer** by spending $3,000 in the first three months. You will also earn a flat 2% cash back on all purchases, up to $50,000 per year, making this card easy to use with no advanced planning required. It provides a few travel and purchase protections, such as car rental loss and damage insurance, extended warranty, and purchase protection. Since this is a business card, it will not count against your 5/24 status.
Here are some reasons why this card may not be right for you:
- You will not earn any free travel, as there are no travel rewards beyond car rental loss and damage insurance.
- The welcome offer is small. If you are comfortable with paying an annual fee, there are better offers from other business cards.
American Express offers several business cards, giving you multiple options depending on your rewards goals. The American Express Blue Business Plus card is quite similar to the Blue Business Cash card—both have no annual fee and earn rewards on everyday spending. However, the Blue Business Plus card earns Membership Rewards points instead of straight cash back, which can be beneficial for travel if you transfer points to airline or hotel partners.
- Key difference: The welcome offer on the Blue Business Plus is lower (15,000 points), but those points can be redeemed for travel rather than only for cash back.
- Another option: The American Express Business Green card, which lets you earn Membership Rewards points, is generally not recommended. Its benefits and sign-up bonus do not justify the $95 annual fee for most users.
If you want to take your travel rewards strategy even further, consider the American Express Business Gold or American Express Business Platinum cards. These cards have significantly higher annual fees, but their larger welcome offers (100,000 points for the Gold and 200,000 for the Platinum) and numerous statement credits can outweigh those fees, especially in the first year. If the credits and perks align with your spending patterns or travel style, you may even find that keeping one or both cards beyond the first year is worthwhile.
| 2.7% |
| Authorized User Fee | $0 (first 99 free) |
Blue Business family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Amex Blue Business Plus | mid | $0 |
Product changes available between family members without a new credit inquiry.
Comprehensive TPG review covering 2% cash back on $50K, $250 welcome offer, Expanded Buying Power, and comparison to Ink Business Cash and Blue Business Plus. Card rating: 3.5/5 stars.
CNBC Select calls it an all-around excellent business cash-back card with no annual fee and above-average return on spending. Covers rewards, benefits, and business expense tracking features.
In-depth NerdWallet review covering 2% cash back rate, 0% intro APR, employee cards, Expanded Buying Power, and comparison to Ink Business Unlimited and US Bank Triple Cash. Rating: 4.5/5.
Forbes review of the Blue Business Cash covering flat-rate 2% cash back, simplicity of rewards structure, and suitability for small business owners seeking straightforward rewards.
WalletHub analysis of the Blue Business Cash including user reviews, expert ratings, and comparison data. Covers 2% cash back rewards, no annual fee, and credit score requirements.
Credit Karma review covering 2% cash back on up to $50,000 annually, 1% thereafter, welcome offer details, and suitability for various business spending profiles.
US News review evaluating the Blue Business Cash as a business card with simple rewards structure and no annual fee. Recommended credit: Excellent to Good.
CompareCards listing with APR details (16.74%-26.74% variable), 0% intro APR for 12 months, and card comparison tools for business cash back cards.
Yahoo Finance review noting this no-annual-fee card offers straightforward cash back without complicated bonus categories. Coverage of rewards structure and business card benefits.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 5 years or less.
Reimbursement up to $300/item ($1K annually) when merchant won't accept return within 90 days. Premium cards only.
Simple flat-rate 2% cash back on all purchases up to $50K/year, then 1%. No annual fee, 0% intro APR for 12 months. Best for small businesses under $50K annual spend.
The card lacks comprehensive travel rewards, offering only a small cash back structure instead. While it does not require a yearly cost, travel enthusiasts will find better value with options offering more substantial benefits.
Although the American Express Blue Business Cash card charges **no annual fee**, that is its main highlight. We rarely recommend cash back cards, since we are generally pursuing free travel rewards. This card does not provide those, offering only a small welcome offer and a flat percentage of cash back on all spending. If you are willing to pay an annual fee, there are more beneficial cards available.
You can earn a **$250 cash back welcome offer** by spending $3,000 in the first three months. You will also earn a flat 2% cash back on all purchases, up to $50,000 per year, making this card easy to use with no advanced planning required. It provides a few travel and purchase protections, such as car rental loss and damage insurance, extended warranty, and purchase protection. Since this is a business card, it will not count against your 5/24 status.
Here are some reasons why this card may not be right for you:
- You will not earn any free travel, as there are no travel rewards beyond car rental loss and damage insurance.
- The welcome offer is small. If you are comfortable with paying an annual fee, there are better offers from other business cards.
American Express offers several business cards, giving you multiple options depending on your rewards goals. The American Express Blue Business Plus card is quite similar to the Blue Business Cash card—both have no annual fee and earn rewards on everyday spending. However, the Blue Business Plus card earns Membership Rewards points instead of straight cash back, which can be beneficial for travel if you transfer points to airline or hotel partners.
- Key difference: The welcome offer on the Blue Business Plus is lower (15,000 points), but those points can be redeemed for travel rather than only for cash back.
- Another option: The American Express Business Green card, which lets you earn Membership Rewards points, is generally not recommended. Its benefits and sign-up bonus do not justify the $95 annual fee for most users.
If you want to take your travel rewards strategy even further, consider the American Express Business Gold or American Express Business Platinum cards. These cards have significantly higher annual fees, but their larger welcome offers (100,000 points for the Gold and 200,000 for the Platinum) and numerous statement credits can outweigh those fees, especially in the first year. If the credits and perks align with your spending patterns or travel style, you may even find that keeping one or both cards beyond the first year is worthwhile.
| 2.7% |
| Authorized User Fee | $0 (first 99 free) |
Blue Business family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Amex Blue Business Plus | mid | $0 |
Product changes available between family members without a new credit inquiry.
Comprehensive TPG review covering 2% cash back on $50K, $250 welcome offer, Expanded Buying Power, and comparison to Ink Business Cash and Blue Business Plus. Card rating: 3.5/5 stars.
CNBC Select calls it an all-around excellent business cash-back card with no annual fee and above-average return on spending. Covers rewards, benefits, and business expense tracking features.
In-depth NerdWallet review covering 2% cash back rate, 0% intro APR, employee cards, Expanded Buying Power, and comparison to Ink Business Unlimited and US Bank Triple Cash. Rating: 4.5/5.
Forbes review of the Blue Business Cash covering flat-rate 2% cash back, simplicity of rewards structure, and suitability for small business owners seeking straightforward rewards.
WalletHub analysis of the Blue Business Cash including user reviews, expert ratings, and comparison data. Covers 2% cash back rewards, no annual fee, and credit score requirements.
Credit Karma review covering 2% cash back on up to $50,000 annually, 1% thereafter, welcome offer details, and suitability for various business spending profiles.
US News review evaluating the Blue Business Cash as a business card with simple rewards structure and no annual fee. Recommended credit: Excellent to Good.
CompareCards listing with APR details (16.74%-26.74% variable), 0% intro APR for 12 months, and card comparison tools for business cash back cards.
Yahoo Finance review noting this no-annual-fee card offers straightforward cash back without complicated bonus categories. Coverage of rewards structure and business card benefits.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
