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ClearValue Cards

American Express Blue Business Cash

American Express · Business review

Scored against ClearValue's published methodology · Schumer Box terms as of
Best for Businesses that want a flat
American Express
Solid pick

American Express Blue Business Cash

85
/100
Annual fee
$0
Ongoing APR
16.74–28.49%
Intro APR
0% · 12 mo
Best for

Businesses that want a flat, no-annual-fee cash-back rate with no categories to track: 2% back, automatically applied as

Fees sourced from issuer terms · 2026-07-31

ClearValue score
85/100
Solid pick

Businesses that want a flat, no-annual-fee cash-back rate with no categories to track: 2% back, automatically applied as

Find my match

Sorted by score, never commission

Annual fee

$0

No annual fee, every year

Ongoing APR

16.74% – 28.49% variable

Variable — verify the current range at the issuer

Intro APR

0% on purchases for 12 months

Then the ongoing APR applies

As of July 31, 2026

Best for

Businesses that want a flat, no-annual-fee cash-back rate with no categories to track: 2% back, automatically applied as a statement credit, on the first $50,000 in purchases each calendar year (1% after). A 12-month 0% intro APR on purchases gives new equipment or inventory spend real runway before interest applies.

Not for

Businesses whose annual spend regularly clears $50,000 — the rate drops to 1% on everything above that line, and a card built for category or travel spend (Ink Business Cash, Amex Business Gold) out-earns a flat 2% at that volume.

The catch

The 2% only applies to the first $50,000 in purchases per calendar year — cross that threshold and every additional dollar earns just 1%, with no notification when you do. Track your spend if you're anywhere near the cap; this is a strong card under $50k/yr and a mediocre one above it.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee
$0
Intro APR
0% on purchases for 12 months
Ongoing APR
16.74% – 28.49% variable
Foreign transaction fee
2.7%
Balance transfer fee
See issuer terms
Late payment fee
Up to $39
Schumer Box sourced
July 31, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate16 / 20
Fee structure20 / 20
Audience fit17 / 20
Transparency and trust16 / 20
The weakness, named16 / 20
Total85 / 100 · Solid pick
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Frequently asked

Does the American Express Blue Business Cash charge an annual fee?

No. The American Express Blue Business Cash carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 31, 2026. Rates change — confirm the current terms at the issuer.

What APR does the American Express Blue Business Cash charge?

16.74% – 28.49% variable. There is also an intro rate: 0% on purchases for 12 months. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the American Express Blue Business Cash charge foreign transaction fees?

Yes — 2.7% per purchase made outside the U.S. Factor that in if you travel or shop internationally.

Who is the American Express Blue Business Cash best for?

Businesses that want a flat, no-annual-fee cash-back rate with no categories to track: 2% back, automatically applied as a statement credit, on the first $50,000 in purchases each calendar year (1% after). A 12-month 0% intro APR on purchases gives new equipment or inventory spend real runway before interest applies.

Who should skip the American Express Blue Business Cash?

Businesses whose annual spend regularly clears $50,000 — the rate drops to 1% on everything above that line, and a card built for category or travel spend (Ink Business Cash, Amex Business Gold) out-earns a flat 2% at that volume.

How did ClearValue score the American Express Blue Business Cash?

American Express Blue Business Cash scored 85/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the American Express Blue Business Cash

Other business cards we've scored, ranked by our methodology.

Compare the American Express Blue Business Cash to

This review carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.
American Express Blue Business Cash
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