The American Express Blue Business Cash™ Card
- Annual fee
- None
- Recommended credit
- Excellent
- Card network
- American Express
- Intro purchase APR
- 0% for 12 months from account opening date
At a glance
The American Express Blue Business Cash™ Card is a no-annual-fee business and cash back card from American Express and earns a flat 2% cash back on all purchases which are applied as a statement credit. It is best suited as a supplementary business card to use when an expenditure won’t earn rewards with another card.
Our review of the The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card is a straightforward cash back business credit card that earns 2% back on all purchases (up to $50,000 per year) for no annual fee. After reaching $50,000 in purchases, cash back is reduced to 1% on eligible purchases, but all earnings are deposited as a statement credit.
Who Can Benefit from the American Express Blue Business Cash™ Card?
Designed for small business owners, this card offers expanded buying power and allows purchases beyond your credit limit without fees. New businesses with upfront costs can benefit from this feature, especially when combined with zero-interest introductory offers.
Introductory APR Benefits
The Blue Business Cash Card offers a 12-month 0% APR introductory period, beneficial for large or numerous expenses requiring multiple payments.
Expanded Buying Power Benefits
The Expanded Buying Power feature allows you to make purchases exceeding your credit limit without extra fees, providing flexibility in spending for significant business expenses.
How to Earn Rewards
New accounts can earn a $500 statement credit after making $8,000 in purchases within the first three months. Earn up to 2% cash back on eligible purchases, with no cap on earnings.
How to Redeem Rewards
Cash back earnings are deposited as statement credits, providing a simple redemption method for business-focused individuals.
Other Card Benefits
Additional features include complimentary employee cards, QuickBooks integration, account manager assistance, account alerts, and Vendor Pay by Bill.com for simplified bill payments.
Comparison
Compare the Blue Business Cash™ Card with other American Express and Ink Business cards in terms of rewards, annual fees, intro APR, and employee card benefits.
What We Like About the Card
Expense management tools, expanded buying power, and no annual fee are standout features of the Blue Business Cash™ Card.
Things to Consider
Limited redemption options are a drawback, as rewards are only available as statement credits.
Should You Apply for the American Express Blue Business Cash™ Card?
While not ideal as a primary business card, this card is suitable for supplementing cash back rewards. Consider other options with stronger welcome offers if not already an American Express cardholder.
For more business credit card offers, explore options like the Ramp Card, Ink Business Preferred® Credit Card, and Ink Business Cash® Credit Card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
Who this card may suit
- You need a card that can handle large, unexpected business expenses regardless of the credit card limit
- You want cash back earnings applied towards your credit card balance
- You want complimentary employee cards with cash back earning potential
- You want rewards points on everyday business purchases on the card
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 12 months from account opening date |
| Regular Purchase APR | 18.49% to 26.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | If eligible, either $5 or 3% of the amount of each transfer, whichever is greater |
| Foreign Transaction Fee | 2.7% of the transaction amount in U.S. dollars |
| Penalty APR | 29.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | Up to $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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