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Compare the Features and Benefits of The American Express Blue Business Cash™ Card and
Delta SkyMiles® Gold Business American Express 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
Purchase Protection
Extended Warranty
Secondary Car Rental CDW Waiver
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Free Access to Credit Score
Amex Offers
0% Intro APR on Purchases
Free Checked Bags
Priority Boarding
Annual Statement Credits
Trip Protections
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
Ongoing APR
18.49%-26.49% (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 Everything Else
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
Purchase Protection
yes
Extended Warranty
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
Free Access to Credit Score
yes
Amex Offers
yes
0% Intro APR on Purchases
yes
Free Checked Bags
no
Priority Boarding
no
Annual Statement Credits
no
Trip Protections
no
Annual Fee
$0 Introductory Annual Fee for the first year, then $150 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
-
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
2x Shipping

U.S. providers only

2x Advertising (Online / TV / Radio)

U.S. providers only

2x Airfare

Multiplier only applies to flights booked on Delta, otherwise earn 1X

2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.85) 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

Delta flyers who own a business have several options to choose from when looking for a new business credit card. To maximize your business expenses and earn SkyMiles at the same time, the Delta SkyMiles Gold Business Card is an affordable option. The annual fee is waived during the introductory year of card membership and is a reasonable $150 after that.

Besides earning the splashy welcome bonus, there are many ways to rack up SkyMiles through each eligible dollar spent. You’ll earn 2x bonus miles on Delta purchases and at restaurants plus on U.S shipping and select U.S. media purchases, as well as 1x miles on other purchases. The shipping and select media categories have a limit of $50,000 per year each.

shipping-delta-skymiles-gold-business-american-express-card

The TakeOff 15 benefit is reserved for Delta’s cardholders, allowing you to score a 15% discount on the cost of Delta award flights. This discount is applied automatically on your Delta account whenever you conduct online flight searches, as long as your Delta Business Amex card is linked. This perk can help you save more of your SkyMiles for future travel. Furthermore, if your business spends more than $10,000 per year on the card, you can easily earn a $100 Delta flight credit every card membership year.

If you travel often and have to check a bag, you can enjoy a checked bag waiver, saving you $30 per flight. This perk applies to up to eight additional travelers on your Delta flight, which can add up greatly throughout the year and compensate for the ongoing $99 annual fee. Other essential travel benefits include no foreign transaction fee, baggage insurance plan, and secondary car rental collision damage waiver insurance, which will surely be of use for many business travelers.

Plus, receive an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. Terms apply.

In short, the Delta SkyMiles Gold Business Card offers a solid foundation of benefits when flying with the carrier. If you’re looking for greater perks, such as lounge access before departing or upon arrival, you may want to consider other Delta business cards that carry higher annual fees but come with additional benefits.

Otherwise, this entry-level business card is the right choice to earn bonus miles on select business categories and earn Delta benefits.

Rates and Fees for the Delta SkyMiles® Gold Business American Express Card

Read more
Unique Card Benefits
yes
Purchase Protection
yes
Extended Warranty
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
Free Access to Credit Score
yes
Amex Offers
yes
0% Intro APR on Purchases
no
Free Checked Bags
yes
Priority Boarding
yes
Annual Statement Credits
yes
Trip Protections
yes

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