If you're looking for straight-cash back and you're OK with it as a statement credit, the American Express Blue Business Cash™ Card is the clear winner for its simple rewards structure and automatic redemptions. Earning 2% cash back on the card on up to $50,000 annually means you'll earn 2 cents for every dollar spent.
Overall, the Blue Cash Everyday® Card from American Express offers good rewards in a few practical spending categories. But the argument to make it your only rewards credit card breaks down when comparing it with its big brother and the best of its cash-back competition.
It carries no annual fee, offers 2% cash back on your first $50,000 in purchases each year, and has useful features for businesses like the ability to temporarily spend over your credit limit. ... There's also a generous 0% APR introductory offer.
If you're considering applying for the Amex Business Gold card, we recommend you have a personal credit score of at least 700 or higher — or a business credit score of at least 75 or higher to maximize your chances of approval.
While it doesn't offer as many unique bonus categories as the Blue Cash Preferred, based on TPG's valuation of Membership Rewards points at 2 cents each, it's a great choice for grocery and gas purchases.
The American Express Blue Cash Everyday Card is a decent choice for those looking to earn rewards without paying an annual fee and who typically spends a good chunk of their household budget at supermarkets, department stores and gas stations in the U.S.
Amex EveryDay also offers rewards on up to $6,000 spent at U.S. supermarkets each year but provides a lower earning rate: 2 points per $1. That rate also applies to eligible purchases made on amextravel.com. ... But all things considered, Blue Cash Everyday wins this category, thanks to its higher earning rates.
The American Express Centurion® Card (or “black” card) was one of the first metal credit cards. Unfortunately, it's invitation-only and costs $5,000 per year. Banks have started offering more metal credit cards in recent years, and the annual fees are much lower.
Best Business Credit Cards
While it is one of the easiest Membership Rewards points to get, you still need to have at least an average FICO score (630 – 690) in order to get approved for the Blue from American Express®.
Centurion® Card from American Express
Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
The second of the two cards that are usually the easiest American Express business cards to get is The Business Gold Rewards Card from American Express Small Business. The card comes with the flexibility to pay eligible purchases over time and it gives you access to Amex's Small Business business network.
The easiest American Express credit card to get is the USAA Secured Card, so long as you're eligible for USAA products. Ifyou're not, you might want to focus on one of the Amex cards that require good credit, like the Amex EveryDay Credit Card.
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