American Express Blue Business Cash Card vs Citi Double Cash®
Side-by-side comparison
| American Express Blue Business Cash Card | Citi Double Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $250 statement credit | $200 cash back |
| 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 | Pools with Citi → transferable |
| 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 Citi Double Cash® 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 Citi Double Cash® 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. The bigger difference is the ceiling: the Citi Double Cash® earns points you can move to travel partners for outsized value, while the American Express Blue Business Cash Card pays plain cash back. Favor the Citi Double Cash® if you will use travel transfers, the American Express Blue Business Cash Card if you want simplicity. 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.