American Express Blue Business Cash
American Express, American Express, no annual fee. Earns cash back.
Rates checked against the issuer 2026-10. Foreign transaction fee: 2.7% of each purchase abroad.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $529, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $529 a year on the illustrative household's spending, which puts it number 9 of 59 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery, Groceries, Grocery Delivery, Wholesale Clubs, Superstores, Gas Stations, EV Charging, Rideshare & Taxis, Public Transit, Parking & Tolls, Car Rental, Flights, Hotels, Vacation Rentals, Online Shopping, Department Stores, Clothing, Home Improvement, Sporting Goods, Pet Supplies, Beauty, Auto Parts & Service, Office & Shipping, Drugstores, Medical, Phone & Internet, Utilities, Rent, Entertainment, Gyms & Fitness, Streaming, Everything Else | 2% | Up to $50,000 per year, then the base rate. 2% on every purchase, with no bonus categories to track |
| Everything else | 1% |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $120 |
| Everything Else | $120 |
| Restaurants & Bars | $72 |
| Gas Stations | $36 |
| Online Shopping | $36 |
| Utilities | $36 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
Similar cards
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Connect — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Amazon Visa — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.