The American Express Blue Business Cash™ Card vs Chase Freedom Rise

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

Purchase Protection

Extended Warranty

Free Access to Credit Score

0% Intro APR on Purchases

Secondary Car Rental CDW Waiver

Travel and Emergency Assistance Services

Does Not Report Credit Line to Personal Credit Profile

No Fees for Authorized Users

Amex Offers

Trip Protections

The American Express Blue Business Cash™ Card

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

APR on purchases

0% Intro APR (on purchases for 12 months, 17.74%-25.74% thereafter)

Ongoing APR

17.74%-25.74% (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

(3.75) Our Review

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.

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

Unique Card Benefits

yes

Purchase Protection

yes

Extended Warranty

yes

Free Access to Credit Score

yes

0% Intro APR on Purchases

yes

Secondary Car Rental CDW Waiver

yes

Travel and Emergency Assistance Services

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Fees for Authorized Users

yes

Amex Offers

yes

Trip Protections

Chase Freedom Rise®

Annual Fee

Avg. Min. Credit Score

670-850

APR on purchases

Ongoing APR

26.24% (Variable)

Balance transfers fees

$5 or 5% of the amount of each transfer, whichever is greater

Best Multiplier

5x Lyft

1.5x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Rating

(3.5) Our Review

Review

The Chase Freedom Rise® is specifically aimed at those people who haven’t yet established credit, whether they are young or new to the country.

What’s great about this card is that unlike most “starter” credit cards, this credit card actually earns cash back and a handsome 1.5% cash back at that – all with no annual fee and it’s not a secured credit card, meaning you are being given credit the same as anyone else and you’ll be able to build your credit score by using the card and making on time payments. The cash back is awarded as Chase Ultimate Rewards points, but they are not transferable points – only cash back.

There are no intro 0% APR offers on this card so it’s best for someone that will be able to pay their bills on time and, ideally, in full.

Unique Card Benefits

yes

Purchase Protection

yes

Extended Warranty

yes

Free Access to Credit Score

yes

0% Intro APR on Purchases

Secondary Car Rental CDW Waiver

Travel and Emergency Assistance Services

Does Not Report Credit Line to Personal Credit Profile

No Fees for Authorized Users

Amex Offers

Trip Protections

yes