01 · overview
Blue Business Cash from American Express
by American ExpressCashback
$500 welcome bonus · 2% on everything else · $0 annual fee

Annual fee
$0
No fee
Sign up bonus
$500
After $5,000 in 3 mo
Credits
—
No tracked credits
Median FICO
739
Approved
Median income
$20,000
Approved
Our take
The Blue Business Cash keeps business rewards simple: 2% cash back on all purchases with no annual fee and no categories to track. American Express recently doubled the welcome bonus from $250 to $500 after $5,000 in spend over three months, which makes now a good time to apply. A 0% intro APR on purchases for 12 months adds some breathing room for a new business. The catch is the cap: the 2% rate applies only to the first $50,000 in purchases each year, then drops to 1%, so heavier spenders will want a different card for anything above that. It also charges a foreign transaction fee, so leave it home when you travel abroad.
02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Everything Else on first $50,000/yr, then 1% | 2% |
Credits & rebates
No credits or rebates tracked.
03 · card details
Card details
Regular APR | 16.74%–28.49% variable |
Intro APR on purchases | 0% for 12 months |
Foreign transaction fee | Yes |
04 · approval odds
Approval odds
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05 · reading