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Side-by-side

Blue Business Cash Card from American Express vs Discover it Cash Back

Both are well-respected travel cards. The Blue Business Cash Card from American Express comes from American Express at $0/yr; the Discover it Cash Back from Discover 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 ExpressDiscover it Cash Back
Annual fee$0$0
Sign-up bonus$250 statement creditCashback Match (first year, unlimited)
Bonus value (est.)$250$200
Min spend to unlock bonus$3,000 in 3 mo$0 in 12 mo
IssuerAmerican ExpressDiscover
Card categorybusinesscashback
Best earning category (All_purchases_first_50k_per_year)2x1x
Transfer partnersNoneNone
Headline benefits
  • 2% cash back up to $50K/yr
  • $0 annual fee
  • 0% intro APR 12 months
  • Auto-credited to statement
  • 5% rotating categories
  • First-year match
  • No annual fee
  • No foreign tx fees
Read the full review
Blue Business Cash Card from American Express
$0/yr · $250 statement credit
Read the full review
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)

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: Discover it Cash Back

The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.

Common questions

Which card has the bigger sign-up bonus, Blue Business Cash Card from American Express or Discover it Cash Back?
The Blue Business Cash Card from American Express has the bigger bonus, $250 statement credit, worth roughly $250, versus Cashback Match (first year, unlimited) (~$200) on the Discover it Cash Back.
Is the Blue Business Cash Card from American Express's $0 annual fee worth it compared to the Discover it Cash Back?
The Blue Business Cash Card from American Express has no annual fee, so the question is whether the Discover it Cash Back's $0 fee is justified by its perks. If you'll use enough of the Discover it Cash Back'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 Discover it Cash Back?
Yes, since they're from different issuers (American Express and Discover) 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 Discover it Cash Back 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. Discover it Cash Back: $0 in 12 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.