Wells Fargo Reflect® vs. American Express Blue Business Cash Card
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 →WealthSpott Verdict
Wells Fargo Reflect® wins on more measurable categories — particularly annual cost. American Express Blue Business Cash Card may still win for your wallet depending on how you spend.
Feature
Wells Fargo Reflect®
American Express Blue
Annual Fee
$0
$0
Sign-up Bonus
None
$250 statement credit after $3k spend in 3 months
Rewards Rate
0%
2% on first $50k then 1%
Rewards Type
None
Cash Back
0% Intro APR
0% intro APR for up to 21 months
None
Regular APR
18.24%-29.99% Variable Best
18.49%-26.49%
Foreign Transaction Fee
Yes
—
Recommended Credit Score
670-850
670+
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
American Express Blue Business Cash Card
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