AMEX Blue Business Cash Card Calculator

Review the benefits of the AMEX Blue Cash Business Card, calculate how much cash back you can earn based on your spend, and compare results to top cards.
Updated 2020-07-09 By Robert Flowers III

The Blue Cash Business Card is a business cash back card offered by American Express. It earns 2% cash back on the first $50,000 in purchases for the calendar year, making it the cash back equivalent of the AMEX Blue Business Plus Card. The card has no annual fee which makes it one of the top cash back business cards for purchases in the United States.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The AMEX Blue Cash Business Card earns cash back at a flat rate and does not feature any bonus categories. You will earn 2% cash back per $1 spent on the first $50,000 in purchases ran across the card during the calendar year. After the $50,000 cap has been hit, all purchases will earn you 1% cash back for the remainder of the calendar year.

  • 2% All Purchases
    • Spend cap of $50,000 per calendar year; Purchases after the cap has been hit will earn you 1% cash back.

Perks & Benefits

The AMEX Blue Cash Business Card allows you to spend beyond your limit and comes with your standard AMEX Business Card benefits.

  • Buy Above Your Credit Limit
    • Card behaves like an NPSL (No Pre-Set Spending Limit).
    • Any spend over the limit will be due along with the minimum amount due.
  • AMEX Offers
  • AMEX Business Card Benefits
    • Expense Management Tools
    • Vendor Pay by
    • American Express Business App
    • Account Manager
  • Travel & Purchase Coverage

Sign Up Bonus

The AMEX Blue Business Cash Card doesn't have a standard sign up bonus.


Annual Fee

The AMEX Blue Cash Business Card does not have an annual fee. This means you will always come out ahead when running spend through this card.

Authorized User Fee

There is no fee to add users to the AMEX Blue Cash Business Card. I recommend adding employees, family, or friends to the card in order to maximize the cash back and reach the $50k bonus limit.

Foreign Transaction Fee

The foreign transaction fee for the AMEX Blue Cash Business Card is 2.7%. This is the same as the Blue Business Plus Card, so it's not surprising.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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