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American Express® Blue Business Cash Card vs American Express® Business Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Blue Business Cash is a good cash back card for small business owners. How does it compare to Business Gold Card from American Express? Read our comparison chart below.

 American Express Blue Business Cash CardAmerican Express Business Gold Card
 Apply NowApply Now
 

American Express® Blue Business Cash Card

American Express® Business Gold Card

 

Credit Card Summary

 
Cash Back Rewards$0 Fraud Liability
Introductory Bonus OfferBonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending Limit
 
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • 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§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • *Terms Apply
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR on purchases for 12 monthsN/A
Introductory APR for Balance Transfers0% introductory APR on balance transfers for 12 monthsN/A
Purchase APR14.74% to 20.74% Variable based on your creditworthiness and other factors15.74% to 23.74% Variable based on your creditworthiness and other factors
Balance Transfers APR14.74% to 20.74% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.No foreign transaction fee
Annual FeeNo annual fee$295 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Offer Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Cash Back RewardsEarn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. 
Bonus Airline Rewards Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Point Rewards More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Airline Transfer Partners Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 American Express Blue Business Cash CardAmerican Express Business Gold Card
Pros & ConsPros:
  • 2% cash back on the first $50,000 spent each calendar year, then 1%
  • Intro APR
  • No annual fee
Cons:
  • Not Visa/Mastercard
Pros:
  • Rewards
Cons:
  • $295 annual fee
  • Requires excellent credit
Bottom LineGood cash back card for small business owners... Read full reviewGood rewards card for established business owners... Read full review
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What Others View

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.


Articles on American Express® Blue Business Cash Card


Articles on American Express® Business Gold Card


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Compare Blue Business Cash to:

Blue Business Plus
Point Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 12 months from date of account opening
0% for 12 months
14.74% - 20.74% Variable
No annual fee

Compare Business Gold Card to:

American Express Business Platinum
Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Card TypeAnnual Fee
Business Charge Card
$595

Business Green Rewards Card
Introductory Bonus OfferPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $95

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.