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Compare the Features and Benefits of Chase Sapphire Preferred® Card and
The American Express Blue Business Cash™ Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
Purchase Protection
Travel and Emergency Assistance Services
Free Access to Credit Score
Primary Car Rental CDW Waiver
Annual Statement Credits
Earns Transferable Points
Trip Protections
Roadside Assistance
No Foreign Transaction Fees
0% Intro APR on Purchases
Secondary Car Rental CDW Waiver
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Amex Offers
Annual Fee
$95
Avg. Min. Credit Score
670-850
APR on purchases
-
Ongoing APR
20.99%-27.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Car Rentals

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Hotels

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Lyft
3x Dining Out / Food Delivery
3x Streaming Services
2x Transit
2x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer

Get up to $1,050 in Chase Travel℠ value: Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

We consider the Chase Sapphire Preferred® the best starter travel rewards credit card available today. For a modest $95 annual fee, you’ll earn bonus points in several categories, get up to a $50 statement credit for hotel stays purchased through Chase Travel℠, plus get a slew of travel protections.

The Chase Sapphire Preferred® credit card earns bonus points on travel purchases, dining, online grocery shopping, and select streaming services. Plus you’ll earn an annual Ultimate Rewards bonus of 10% of the prior year’s spending. Although the credit card doesn’t earn bonus points on other purchases, you can pair the card with other Chase credit cards to boost your Chase Ultimate Rewards earning rate.

online-grocery-shopping-chase-sapphire-preferred-card

Chase Ultimate Rewards points have a cash value of 1 cent each. But, you can get more value when you redeem points for travel purchased through Chase Ultimate Rewards (1.25 cents), through Chase Pay Yourself Back, or when you transfer points to airline and hotel partners.

The Chase Sapphire Preferred® card justifies its annual fee year after year by providing the best set of travel protections on a card with under a $100 annual fee. Your car rentals will be automatically covered against theft and damage when you use your card and primary coverage (secondary for New York residence with their own vehicle insurance) means your own insurance won’t have to get involved. You’ll be protected against weather delays, lost luggage, and trip interruptions or outright cancellations.

Additionally, you’ll get benefits from several partners. For example, earn 5 points per dollar on Lyft rides through March 2025. Plus, you can get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2027.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
Free Access to Credit Score
yes
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Earns Transferable Points
yes
Trip Protections
yes
Roadside Assistance
yes
No Foreign Transaction Fees
yes
0% Intro APR on Purchases
no
Secondary Car Rental CDW Waiver
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
Amex Offers
no
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
APR on purchases
0% Intro APR (on purchases for 12 months, 17.99%-25.99% thereafter)
Ongoing APR
17.99%-25.99% (Variable)
Balance transfers fees
-
Best Multiplier
2x Airfare
2x Transit
2x Car Rentals
2x Cable / Internet / VOIP Phone
2x Costco
2x Gas Stations
2x Cellular Phone Service
2x Dining Out / Food Delivery
2x Hotels
2x Lyft
2x Office Supplies
2x Shipping
2x Single Charges over $5,000
2x Groceries
2x Cruises
2x Drugstores
2x Streaming Services
2x Gym Memberships
2x Advertising (Online / TV / Radio)
2x Entertainment (Concerts / Shows / Movies)
2x Advertising on Search Engines and Social Media
2x U.S. Electronic Goods Retailers / Software / Cloud System Providers
1x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.01
Bonus Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The American Express Blue Business Cash business credit card is a great card for those who are both not interested in points (prefer cash back) and do not want to keep track of bonus categories.

With a simple 2% cash back on all eligible purchases until you reach $50,000 in spend in a calendar year, it’s a perfectly suitable cash back card for those that spend under $50,000 in a calendar year for their business. Though the rate will drop to 1% on eligible purchases after you spend $50,000 in a calendar year, there is no limit to the amount of cash back that you can earn.

cash-back-american-express-blue-business-cash-card-review
If you prefer American Express Membership Rewards points instead of cash, there is a nearly identical version of this credit card, called the American Express Blue Business Plus™ Card, which earns Membership Rewards points instead of cash at the same rate.

Keep in mind that this no-annual fee card does charge a 2.7% foreign transaction fee, so please make sure you have a separate credit card with no foreign transaction fees for your trips abroad.

If you spend more than $50,000 a year, however, and want straight cash back and expanded buying power, you should consider these two alternative business credit cards:

  • The Chase Ink Business Premier, which is a charge card with no preset limit and earns 2% cash back on everything and even earns 2.5% cash back on purchases over $5,000.
  • The Capital One Spark Cash Plus, which is a charge card with no preset limit that earns 2% on all purchases.

If you would like to have separate Blue Business Cash cards for your employees, you can do so with no fee.

Rates and Fees for the The American Express Blue Business Cash™ Card

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
Free Access to Credit Score
yes
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Earns Transferable Points
no
Trip Protections
no
Roadside Assistance
no
No Foreign Transaction Fees
no
0% Intro APR on Purchases
yes
Secondary Car Rental CDW Waiver
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
Amex Offers
yes

Learn more about these cards today

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