Blue Business Cash™
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Blue Business Cash™ from American Express earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months..
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1% back. The welcome bonus can help if you can meet the spend requirement.
What does the Blue Business Cash™ earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Blue Business Cash™ compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Blue Business Cash™ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Blue Business Cash™?
The Blue Business Cash™ fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back. The welcome bonus can help if you can meet the spend requirement.
Blue Business Cash™ fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $2.70 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
What is the Blue Business Cash™ welcome bonus?
In Madeen's catalog snapshot, the Blue Business Cash™ welcome offer is Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $250
- Terms (catalog snapshot)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Minimum spend
- $3,000
- Window
- 3Months
Does the Blue Business Cash™ have an annual fee?
The Blue Business Cash™ has an annual fee of $0 and a foreign transaction fee of $2.70. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $2.70
What benefits come with the Blue Business Cash™?
The Blue Business Cash™ includes Car Rental Loss and Damage Insurance, Extended Warranty, Global Assist® Hotline in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrWith Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year.
Purchase Protection
$10,000/yrWhen an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Car Rental Loss and Damage Insurance
$40/yrAs a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions.
Global Assist® Hotline
$25/yrWhenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services , including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance.
Related encyclopedia topics
Common questions about the Blue Business Cash™
Does the Blue Business Cash™ have an annual fee?
The Blue Business Cash™ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Blue Business Cash™?
Dining is the strongest Madeen category for the Blue Business Cash™ at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Blue Business Cash™ charge foreign transaction fees?
The Blue Business Cash™ charges a foreign transaction fee of $2.70 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Blue Business Cash™ welcome bonus?
The Blue Business Cash™ welcome offer in our snapshot: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Blue Business Cash™?
Madeen's catalog lists a typical credit range of Good to Excellent for the Blue Business Cash™. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Blue Business Cash™?
Rewards on the Blue Business Cash™ post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Blue Business Cash™ compare to similar cards?
Compare the Blue Business Cash™ against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $195 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Blue Business Cash™ This card | Dining | 1% | $0 |
| Dining | 3.5% | $550 | |
American Express | Dining | 3% | $150 |
American Express | Dining | 3% | $195 |
American Express | Dining | 2.8% | $250 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure