American Express Blue Business Cash Card vs. Discover it® Cash Back
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express Blue Business Cash Card
American Express
4.7
Simple 2% cash back on all purchases up to $50k/year. No annual fee.
Full review →
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
Full review →WealthSpott Verdict
Discover it® Cash Back wins on more measurable categories — particularly annual cost. American Express Blue Business Cash Card may still win for your wallet depending on your spending patterns.
Feature
American Express Blue
Discover it® Cash
Annual Fee
$0
$0
Sign-up Bonus
$250 statement credit after $3k spend in 3 months
Cashback Match
Rewards Rate
2% on first $50k then 1%
1%-5%
Rewards Type
Cash Back
Cash Back
0% Intro APR
None
0% for 15 months
Regular APR
18.49%-26.49%
18.24%-28.24% Variable Best
Foreign Transaction Fee
—
Yes
Recommended Credit Score
670+
670-850
American Express Blue Business Cash Card
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
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