Credit Card
Amex Blue Business Cash
Best flat-rate cash back card for businesses that want simplicity over category optimization.
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Annual fee
$0
APR
18.49%-26.49% variable
Rewards rate
2% on all purchases (first $50K/year), 1% after
Sign-up bonus
$250 after $3,000 in first 3 months
Rating breakdown
Pros
- 2% cash back on all purchases (first $50K/year)
- No annual fee
- 0% intro APR for 12 months on purchases
- No category tracking required
Cons
- 2% rate drops to 1% after $50K in annual spending
- Amex not accepted everywhere (though acceptance has improved)
- No bonus categories for higher earn rates
- Rewards cap may not suit high-volume businesses
Who this card is for
If you don’t want to track spending categories or optimize which card to use where, the Amex Blue Business Cash gives you a flat 2% on everything. No mental math, no rotating categories, no bonus activation. Put all your business spending on it and earn 2%.
Where it falls short
The $50,000 annual cap on the 2% rate is the main limitation. If your business puts $60K/year on a card, the last $10K only earns 1%. High-spending businesses should look at cards with uncapped rewards or higher category-specific rates. Amex acceptance has improved significantly, but some smaller merchants still don’t take it.
Bottom line
The Amex Blue Business Cash is the “don’t make me think” business card. No annual fee, no categories to track, and 2% back on everything up to $50K. For businesses spending under that threshold across varied categories, it’s one of the simplest ways to earn cash back without optimizing anything.
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