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

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

💳 This card earns Chase Ultimate Rewards points. Chase often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 30%, 40% or more bonus miles when you transfer points at the right times. But they are easy to miss!

You can see all past Transfer Bonuses from Chase Ultimate Rewards here.

Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔

The Chase Sapphire Reserve® is a luxury travel card legend – there’s no doubt about that.

The 2025 refresh, however, with the increase in fee to $795, makes this a must have for some, but not all, travelers. It remains one of the strongest travel credit cards on the market, competing with the Capital One Venture X and The Platinum Card® from American Express.

Whereas the older version of the card was more about simplicity, the new version packs in $3,000 in annual total value for the $795 annual fee. But that doesn’t mean you’ll use all of that value.

My baseline assumption is that everyone that is interested in this card will use the $300 travel credit, the same as always – applied towards absolutely any travel including parking.

Then there is the $300 annual dining credit. While that is $150 bi-annually, it seems ridiculously easy to dine twice a year at restaurants that are part of Sapphire Reserve Exclusive Tables. You don’t even have to book via the program. The card will know the restaurant participates and give you the credit. I feel like this applies to a majority of the target market for this card which I believe skews towards those in or near urban/suburban locations.

So in two lines, we see $600 in statement credits out of a $795 annual fee.

But of course there’s much more to the card than those two credits!

If you use even one $250 credit for the Edit, you are ahead.

If you use the Chase Sapphire lounges or Priority pass a few times a year with the most generous guest access policy around at 2 guests, you are ahead.

If you have a Travel Planner plan even one trip a year, you are ahead.

If you like live events and use the two StubHub credits ($150 bi-annually), you are ahead.

And finally, let’s revisit the bonus categories for spend.

• 8X points on all Chase Travel purchases, replacing 5x points on flights and 10x points on hotels and car rentals booked through Chase Travel
• 4X points on flights and hotels booked direct, replacing 3x points on all travel
• 3X points on dining

Keep in mind that only hotels booked through The Edit℠ will confer full hotel loyalty program benefits – status honored, benefits honored, elite night credits earned, and loyalty points earned. Other hotel bookings will not.

With that said, if you book a lot of travel and are willing to book via Chase Travel, then 8X on all travel is pretty amazing! And even if you don’t, 4X on hotels booked direct are at the top of the market and 4X on airfare is second only to the Platinum Card® from American Express.

I think that for some, those bonus multipliers will result in mountains of earned points – but, certainly, for others the spend level might not be enough to make that up.

And so I’m back where I started. Assuming you will use the $300 travel credit and the $300 “Sapphire Reserve Exclusive Tables” dining credit, all you have to do is look up at the benefits and statement credits and find more than $195 in additional value for the card to pay for itself.

If it doesn’t? Then it may not be the right card for you. We have plenty of other great transferable points based rewards travel cards in our Card Explorer!

Either way, hopefully you have all the information you need to make an informed decision.

Eligibility

You can now hold both the Chase Sapphire Preferred® and the Chase Sapphire Reserve® card. Finally!

However, the bonus will be subject to eligibility rules which will determine if you are eligible or not. You will be notified during the application process if you are not eligible for a bonus offer and given the choice to continue the application or cancel the application with no impact to your credit score.

You must also be under 5/24.