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Side-by-side

Blue Business Cash Card from American Express vs Citi Double Cash

Both are well-respected travel cards. The Blue Business Cash Card from American Express comes from American Express at $0/yr; the Citi Double Cash from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBlue Business Cash Card from American ExpressCiti Double Cash
Annual fee$0$0
Sign-up bonus$250 statement credit$200 cash back
Bonus value (est.)$250$200
Min spend to unlock bonus$3,000 in 3 mo$1,500 in 6 mo
IssuerAmerican ExpressCiti
Card categorybusinesscashback
Best earning category (All_purchases_first_50k_per_year)2x1x
Transfer partnersNoneciti-ty
Headline benefits
  • 2% cash back up to $50K/yr
  • $0 annual fee
  • 0% intro APR 12 months
  • Auto-credited to statement
  • 2% everywhere
  • No annual fee
  • Pairs with TY Premier
  • Simple earning
Read the full review
Blue Business Cash Card from American Express
$0/yr · $250 statement credit
Read the full review
Citi Double Cash
$0/yr · $200 cash back

Editorial take: Blue Business Cash Card from American Express

The cash-back twin of the Blue Business Plus. Same 2% catch-all up to $50K/year, but you get automatic statement credit instead of Membership Rewards points. Simpler for businesses that don't want to manage a points balance; less ceiling than the Plus for transfer-partner redemptions.

Editorial take: Citi Double Cash

The OG flat 2% card. Pairs with Custom Cash + Premier to form Citi's trifecta, turns your combined cash back into transferable ThankYou Points. Rock solid for non-bonus spend.

Common questions

Which card has the bigger sign-up bonus, Blue Business Cash Card from American Express or Citi Double Cash?
The Blue Business Cash Card from American Express has the bigger bonus, $250 statement credit, worth roughly $250, versus $200 cash back (~$200) on the Citi Double Cash.
Is the Blue Business Cash Card from American Express's $0 annual fee worth it compared to the Citi Double Cash?
The Blue Business Cash Card from American Express has no annual fee, so the question is whether the Citi Double Cash's $0 fee is justified by its perks. If you'll use enough of the Citi Double Cash's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Blue Business Cash Card from American Express.
Can I have both the Blue Business Cash Card from American Express and Citi Double Cash?
Yes, since they're from different issuers (American Express and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Blue Business Cash Card from American Express or the Citi Double Cash first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Cash Card from American Express: $3,000 spend in 3 months. Citi Double Cash: $1,500 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.