American Express Blue Business Cash Card vs Apple Card
Side-by-side comparison
| American Express Blue Business Cash Card | Apple Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $250 statement credit | No current offer |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $900 |
| Points type | Cash back only | Cash back only |
| Network | Amex | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express Blue Business Cash Card earns about $900 a year in rewards and the Apple Card about $900, valuing every point at a flat 1 cent. The American Express Blue Business Cash Card has no annual fee, so its rewards are all profit. The Apple Card has no annual fee, so its rewards are all profit. These two are about as close as cards get: both pay a flat 2x on everything, neither charges an annual fee, and on that spending they finish within a few dollars of each other. The choice is not really about the rewards rate. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. One tiebreaker: the Apple Card adds no foreign transaction fees, which the other does not. On the sign-up bonus, the American Express Blue Business Cash Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.