How much is the Amex Blue Business Cash Credit Card bonus actually worth?
The headline number is $500 statement credit. Counting the money you tie up and the time the requirements take, it works out to about $833/hr per hour of your own time.
2% cashback on every business purchase up to $50,000 per year (1% after), no foreign transaction fee, no annual fee. One of the highest flat-rate business cards on the market.
The numbers, in full
| Payout | $500 statement credit |
|---|---|
| What it takes | Spend $5,000 on purchases within the first 6 months. LLC, sole prop, freelancer, or side hustle all qualify. |
| Direct deposit needed | No |
| Money tied up | None |
| Time committed | 60 days |
| Effective APY | No capital tied up |
| Per hour of your time | $833/hr |
| When it pays | Statement credit posts 8 to 12 weeks after the spend requirement is met |
| Offer ends | No published end date |
| Last checked | Jul 5, 2026 |
What the return actually looks like
No money of yours sits still here, so an APY would be meaningless. Judge it on pay for your time: about $833/hr for roughly under an hour of work.
Read this chart as a table
| Offer | Pay per hour | Hands-on hours |
|---|---|---|
| U.S. Bank | $2,286/hr | 0.53h |
| Bank of America | $1,429/hr | 0.53h |
| Amex Blue Business Cash (this offer) | $833/hr | 0.6h |
| BILL Spend & Expense (formerly Divvy) | $833/hr | 0.6h |
| Grasshopper | $706/hr | 0.42h |
| Associated Bank | $706/hr | 0.42h |
Open it
This link is our personal referral. It costs you nothing and often pays you more than the public page.
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