American Express
Amex Blue Business Cash
Amex Blue Business Cash costs No annual fee and earns up to 2× on everyday spending. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Amex Blue Business Cash returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 2× everyday spending
- Points value
- 1¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- $250
- Foreign transaction fee
- 2.7%
Is the Amex Blue Business Cash right for you?
Enter a typical month. You will see what the Amex Blue Business Cash returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Amex Blue Business Cash Top for your numbers
1× everything else. No annual fee.
Rewards $502 · No annual fee
+$502
+$376
+$376
2× dining, 2× gas; 1× everything else. No annual fee.
Rewards $313 · No annual fee
+$313
How we estimate
- Every rate on this page comes from the card catalog. Amex Blue Business Cash pays 2× on spending outside the bonus categories listed above, and up to 2× on everyday spending.
- We value this card's points at 1¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"amex-blue-business-cash","name":"Amex Blue Business Cash","fee":0,"cpp":0.01,"base":2},{"key":"capital-one-spark-cash-select","name":"Capital One Spark Cash Select","fee":0,"cpp":0.01,"base":1.5},{"key":"chase-ink-business-cash","name":"Chase Ink Business Cash","fee":0,"cpp":0.01,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["gas"],"rate":2}],"credits":60},{"key":"chase-ink-business-unlimited","name":"Chase Ink Business Unlimited","fee":0,"cpp":0.01,"base":1.5,"credits":60}]}What comes with it
Welcome bonus
$250
Points and partners
Cash Back
Transferable to airline and hotel partners.
Where this data came from
Free employee cards; includes rental car damage waiver and extended warranty coverage Statement credit after $3,000 spend in 3 months.
FAQ
The Amex Blue Business Cash has no annual fee, so the only thing that matters is what it earns. Its best rate is 2× on everyday spending.
It depends on your mix, not the card. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is $250, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply.
Yes. It earns Cash Back, which you can transfer to the partners below. Transfers are what make a 1¢ valuation reachable; using the points for cash back is worth far less.
Yes: 2.7% on purchases made abroad, on top of anything the merchant charges. On a Amex Blue Business Cash that can wipe out the bonus rates, so check the numbers before you rely on it overseas.
Related: Full rewards calculator