{"id":29252,"date":"2025-02-04T23:59:35","date_gmt":"2025-02-04T23:59:35","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=29252"},"modified":"2026-04-17T14:18:05","modified_gmt":"2026-04-17T14:18:05","slug":"amex-cashback-cards","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amex-cashback-cards\/","title":{"rendered":"Comparing American Express Cashback Cards: Which One Should You Get?"},"content":{"rendered":"<p>Looking for a cash-back credit card to add to your arsenal of rewards cards? Cash-back cards play an important role in any rewards strategy by putting money back in your wallet with every purchase. American Express currently offers four variations of cash-back credit cards, each featuring different combinations of welcome offers, earning structures (some with earning caps), annual fees, and perks.<\/p>\n<p>In this post, we will compare the features of each Amex cashback card so you can decide which is best for your wallet.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Overview_of_American_Express_Cashback_Credit_Cards\">Overview of American Express Cashback Credit Cards<\/a><ul><li><a href=\"#Blue_Cash_Everyday_Card_from_American_Express\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/a><\/li><li><a href=\"#Blue_Cash_Preferred_Card_from_American_Express\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/a><\/li><li><a href=\"#The_American_Express_Blue_Business_Cash_Card\">The American Express Blue Business Cash\u2122 Card<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Overview_of_American_Express_Cashback_Credit_Cards\">Overview of American Express Cashback Credit Cards<\/span><\/h2>\n<p>Three of the Amex cards we'll review offer increased returns on select bonus categories. The fourth card offers a flat return on all purchases.<\/p>\n<p>Many other <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-rewards-cards\/\" rel=\"noopener\">Amex cards earn flexible Membership Rewards points<\/a> or points and miles within a specific loyalty program (often called co-branded cards). In contrast, the cards we're covering earn cash back, effectively providing a cash-equivalent rebate on every dollar you spend.<\/p>\n<h3><span id=\"Blue_Cash_Everyday_Card_from_American_Express\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/span><\/h3>\n<p><div class=\"qs-card\" data-id=\"4028086\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/07\/BlueCashEveryday-CardArt-e1657816483860.png\" alt=\"Blue Cash Everyday\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Everyday\u00ae Card from American Express' data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Blue Cash Everyday is a solid, no-annual-fee cashback card for anyone who spends a lot on groceries and gas. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.<\/li><li>No Annual Fee.<\/li><li>Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.<\/li><li>Plan It&#xAE;: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express&#xAE; App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.<\/li><li>Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.<\/li><li>Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday&#xAE; Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>1% back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BlueCashEveryDay\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15b009cd64#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li><strong>Welcome offer:<\/strong> As High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/li>\n<li><strong>Earning structure:<\/strong> 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category (up to $6,000 per year, then 1%), and 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\n<li><strong>Notable perks:\u00a0<\/strong>$84 Disney+ Bundle credit (up to $7 back per month) and $180 Home Chef credit (up to $15 back per month). Enrollment is required for select Amex benefits.<\/li>\n<li><strong>Annual fee:<\/strong> $0  (<a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/li>\n<\/ul>\n<p><strong>Our take:<\/strong> The <a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<\/a> is a fantastic no-annual-fee  (<a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) option for earning cash back on common spending categories.<\/p>\n<p>This American Express cash-back card earns 3% cash back at U.S. supermarkets, U.S gas stations, and eligible online retail purchases (up to $6,000 per category annually, then 1%). The cap on bonus categories may be limiting for higher spenders but might be high enough for those who aren't.<\/p>\n<p>Additionally, the intro APR of 0% on purchases and balance transfers for 15 months (then a variable APR of 19.49% - 28.49%) adds flexibility for financing larger purchases or managing existing credit card debt.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amex-blue-cash-everyday\/\" rel=\"noopener\">Blue Cash Everyday Review<\/a><\/strong><\/p>\n<h3><span id=\"Blue_Cash_Preferred_Card_from_American_Express\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/span><\/h3>\n<p><div class=\"qs-card\" data-id=\"4028090\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/da0edfdc-e3f5-4c89-9af0-94cee8a7356e.jpg\" width=\"150\" alt=\"Blue Cash Preferred\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Preferred\u00ae Card from American Express' data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0 intro annual fee for the first year, then $95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express cash back powerhouse for everyday spending. Key features include 6% cash back on eligible purchases at U.S. supermarkets (up to $6,000 per year, then 1%) and on select streaming subscriptions, plus 3% back on eligible purchases at U.S. gas stations and on eligible transit purchases. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.<\/li><li>$0 intro annual fee for the first year, then $95.<\/li><li>Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.<\/li><li>Plan It&#xAE;: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express&#xAE; App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.<\/li><li>Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.<\/li><li>Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred&#xAE; Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>6% Cash Back on select U.S. streaming subscriptions<\/li>\r\n \t<li>6% Cash Back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)<\/li>\r\n        <li>3% Cash Back on eligible transit purchases including taxis\/rideshare, parking, tolls, trains, buses and more<\/li>\r\n \t<li>3% Cash Back on eligible purchases at U.S. gas stations<\/li>\r\n        <li>1% Cash Back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n \t<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BlueCashPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15b009cd64#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li><strong>Welcome offer:<\/strong> As High As $300 Cash Back. Find Out Your Offer. You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/li>\n<li><strong>Earning structure: <\/strong>6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back on eligible purchases at U.S. gas stations and on transit, including taxis\/rideshare, parking, tolls, trains, buses and more; and 1% cash back on other eligible purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\n<li><strong>Notable perks: <\/strong>$120 Disney Streaming credit (up to $10 back per month). Enrollment is required for select Amex benefits.<\/li>\n<li><strong>Annual fee:<\/strong> $0 intro annual fee for the first year, then $95 (<a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/li>\n<\/ul>\n<p><strong>Our take:<\/strong> If maximizing returns on groceries and streaming services is your goal, the <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a> stands out as one of the best American Express cash-back cards on the market.<\/p>\n<p>This card offers a market-leading 6% cash back on up to $6,000 in annual eligible purchases at U.S. supermarkets and on select U.S. streaming services (then 1%). Moreover, the 3% cash back on eligible transit purchases and at U.S. gas stations adds even more value for those who commute to work or prefer road trips to air travel.<\/p>\n<p>While the $95 annual fee (from the second year on  - <a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) may seem steep, it\u2019s easily offset if your grocery spending eclipses $31 per week. That's an easy target for most people.<\/p>\n<p>That said, international travelers should be aware of the card's foreign transaction fees of 2.7% of each transaction after conversion to U.S. Dollars (<a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), which makes it a poor option for spending abroad.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amex-blue-cash-preferred\/\" rel=\"noopener\">Blue Cash Preferred Review<\/a><\/strong><\/p>\n<h3><span id=\"The_American_Express_Blue_Business_Cash_Card\">The American Express Blue Business Cash\u2122 Card<\/span><\/h3>\n<p><div class=\"qs-card\" data-id=\"4048169\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The American Express Blue Business Cash\u2122 Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2019\/11\/CardArt-AmericanExpressBlueBusinessCashCard.png\" alt=\"BlueBizCash\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='The American Express Blue Business Cash\u2122 Card' data-ccid=\"4048169\" href=\"\/blog\/link\/AmericanExpressBlueBusinessCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048169\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinesscash-credit-card\/42732-9-0?key=tncBody&rwdFlag=rwd#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The American Express Blue Business Cash\u2122 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>No annual fee<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Blue Business Cash is a solid cash-back card with flexible spending power. The introductory APR of 0% on purchases for 12 months from the date of account opening (after a Variable 16.74% - 28.49% applies) make this an ideal choice for businesses that occasionally need to make larger purchases. Cash back is issued as a statement credit.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.<\/li><li>0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%<\/li><li>Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.<\/li><li>From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power*.<\/li><li>* The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.<\/li><li>No Annual Fee. Terms Apply. Learn More.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BlueBizCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15b009cd64#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li><strong>Welcome offer:\u00a0<\/strong>Earn a\u00a0$250\u00a0statement credit after you make\u00a0$3,000 in purchases\u00a0on your Card in your first\u00a03\u00a0months.<\/li>\n<li><strong>Earning structure:<\/strong>\u00a0Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.<\/li>\n<li><strong>Notable perks:\u00a0<\/strong>N\/A.<\/li>\n<li><strong>Annual fee:<\/strong> No annual fee (<a data-ccid=\"4048169\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinesscash-credit-card\/42732-9-0?key=tncBody&rwdFlag=rwd#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/li>\n<\/ul>\n<p><strong>Our take:<\/strong> This small business Amex cashback card offers 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% (issued as a statement credit). Its simple (but rewarding) earning structure makes the <a data-ccid=\"4048169\" href=\"\/blog\/link\/AmericanExpressBlueBusinessCashCard\" rel=\"noopener nofollow sponsored\">Blue Business Cash<\/a> an ideal option for businesses with a wide range of expenses that don\u2019t fit squarely into specific bonus categories.<\/p>\n<p>Better yet, the Blue Business Cash has no annual fee (<a data-ccid=\"4048169\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinesscash-credit-card\/42732-9-0?key=tncBody&rwdFlag=rwd#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). And for businesses who need the additional flexibility, the card offers an introductory APR of 0% on purchases for 12 months from the date of account opening (followed by a variable APR of 16.74% - 28.49%).<\/p>\n<p>Simply put, this card delivers consistent rewards without complexity.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amex-blue-business-cash\/\" rel=\"noopener\">Blue Business Cash Review<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Each American Express cash-back card caters to a different type of spender, from the no-annual fee <a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<\/a>  (<a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) to the high-earning <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a>. And the <a data-ccid=\"4048169\" href=\"\/blog\/link\/AmericanExpressBlueBusinessCashCard\" rel=\"noopener nofollow sponsored\">Blue Business Cash<\/a> can come in handy for the right kind of business owner.<\/p>\n<p>When choosing the best Amex cashback card for you, be sure to consider your spending habits and compare them against other cash-back cards to maximize the rewards on the purchases you make the most.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Looking to add a cash-back card to your wallet? Cash-back cards make earning simple by putting money back in your wallet with every purchase. Let\u2019s compare the American Express cash-back cards to see how they can fit into your overall rewards strategy.<\/p>\n","protected":false},"author":35,"featured_media":113108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12790,12620,14753],"coauthors":[36396,36386],"class_list":["post-29252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-american-express","tag-card-reviews","tag-cash-back"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/29252","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=29252"}],"version-history":[{"count":62,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/29252\/revisions"}],"predecessor-version":[{"id":258220,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/29252\/revisions\/258220"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/113108"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=29252"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=29252"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=29252"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=29252"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}