American ExpressBest No Annual FeeExcellent
American Express Blue Business Cash Card
Annual Fee
$0
Rewards Rate
2% on first $50k then 1%
Intro Offer
$250 statement credit after $3k spend in 3 months
Regular APR
18.49%-26.49%
American Express Blue Business Cash Card
American Express Blue Business Cash Card
Simple 2% cash back on all purchases up to $50k/year. No annual fee.
Our take
Best no-annual-fee business card for straightforward cash back. 2% flat is hard to beat.
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 2% on first $50k then 1% |
| Rewards type | Cash back |
| Welcome offer | $250 statement credit after $3k spend in 3 months |
Fees & APR
| Annual fee | $0 |
| Ongoing APR | 18.49%-26.49% |
Eligibility
| Recommended credit score | 670+ |
Frequently asked questions
What credit score do I need?
This card typically requires a 670+ credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
You need to meet spending requirements to earn: $250 statement credit after $3k spend in 3 months. Terms apply — check the issuer's site for exact details.
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
American Express Blue Business Cash Card