American Express Blue Business Cash™ Card
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.
1% cash back on all eligible purchases after spending $50,000 per calendar year.
- Intro bonus: $250
- Annual fee: No annual fee
- Regular APR: 13.24% – 19.24% Variable
- Recommended credit score: 670-850 (Good to Excellent)
American Express Blue Business Cash Card Full Review
The American Express Blue Business Cash Card is a business credit card, which means it is geared toward small business owners and self-employed workers, or anyone with a side hustle. It earns cash back rewards on business expenses.
There is no annual fee to carry the American Express Blue Business Cash Card, which is one of its biggest benefits.
With the American Express Blue Business Cash Card, you can earn a $250 cash bonus after spending $3,000 on purchases within three months of account opening. This bonus isn’t the biggest you’ll find among business credit cards with no annual fee, but it is a solid offer if you spend at least $1,000 per month on your card.
New American Express Blue Business Cash cardholders get 0% APR on purchases for 12 months, followed by a variable APR of 13.24% to 19.24%. If you need to invest in inventory, supplies, or equipment and want the option to pay down the cost over time, this can be a great option. Plus, you’ll earn 2% back on any large purchases you use the 0% APR period to cover.
This card’s rewards structure is simple, but can add up to a lot of savings each year. You’ll earn a flat 2% in cash back on all business expenses up to $50,000 per year, and 1% back on any spending past that amount. That means you can earn up to $1,000 in cash back annually before maxing out the 2% rewards rate.
The American Express Blue Business Cash Card is relatively light on fees. There is no annual fee, and no fee if you go over your credit limit.
Fees you should watch out for include a late payment and returned payment fee, both of which are $39, and a 2.7% foreign transaction fee if you use it for purchases abroad. Business owners who transfer a balance to this card will also pay a 3% (minimum $5) balance transfer fee — but since the 0% APR offer doesn’t apply to balance transfers, you should look elsewhere for options to pay down any debt balances.
This business credit card has quite a few perks compared to similar no annual fee business cards. For starters, you’ll get secondary auto rental coverage when you use your card to pay for a rental car, and access to a Global Assist hotline for emergency assistance 24 hours a day when you’re at least 100 miles from home.
You’ll also receive automatic extended warranty coverage on items that come with a manufacturer’s warranty of five years or less, and purchase protection against damage or theft, which is good for up to 90 days after the purchase date. This coverage is worth up to $1,000 per covered purchase and up to $50,000 per eligible card.
Benefits of Amex Blue Business Cash Card
There are many reasons to consider the no annual fee American Express Blue Business Cash Card for your business, starting with flat 2% back on up to $50,000 in business spending per year.
Several other business cards offer cash back, but most with no annual fee have a flat rewards rate lower than 2%. That makes the American Express Blue Business Cash Card a good option, at least provided you don’t plan to charge more than $50,000 per year (or $4,166 per month) in business expenses to your card. After you reach that threshold, you’ll earn just 1% cash back.
The American Express Blue Business Cash Card comes with an introductory 0% APR offer that makes it a great choice for a large, upcoming expense. New cardholders get zero interest on purchases for 12 months, followed by a variable APR of 13.24% to 19.24%.
Another big benefit of this card is its introductory rate for purchases. With 0% APR on everything you buy for 12 months, you can use this card as a no-cost, short-term loan for getting your business off the ground, financing new infrastructure, or other costs you might have coming up.
Finally, this card comes with some consumer protections for purchases, including protection against damage or theft and extended warranties. These benefits are offered free of charge, and can help you recoup costs if your business-related purchases are damaged due to a covered reason.
Drawbacks of Amex Blue Business Cash Card
There are two major downsides to consider with the American Express Blue Business Cash Card. First, the 2% rewards rate is capped at $50,000 in spending per year. If your business spends significantly more than that every 12 months, you’ll probably want to consider other options.
Another big drawback is that you can’t redeem your American Express Blue Business Cash Card rewards for anything other than statement credits. You can’t convert them to Amex Membership Rewards or choose another redemption option; statement credits are automatically applied to your account as you earn cash back.
How to Use Amex Blue Business Cash Card
To maximize value from this card, sign up when you have a large upcoming business expense. You can get ahead of the welcome bonus offer — $250 credit after spending $3,000 within the first three months — and can take advantage of 0% APR for 12 months.
Just make sure you have a plan to pay off your balance in full before 12 months are up. You’ll have to pay the high variable APR on remaining balances after that, and interest charges you pay can wipe out any rewards you’ve earned very fast.
Over time, use this card for all of your business expenses, at least until you reach $50,000 in spending each year to earn the 2% cash back rate. After that, you may want to switch to another business credit card that offers more than 1% back on all your purchases.
American Express Blue Business Cash Card Compared to Other Cards
- Intro bonus:
- Annual fee:
- Regular APR:
13.24% to 19.24% Variable
- Recommended credit:
670-850 (Good to Excellent)
- Learn more at our partner’s secure site.
Is the Amex Blue Business Cash Card for You?
For cash back on your business spending without an annual fee, the American Express Blue Business Cash Card can be a solid choice — especially if you can take advantage of the card’s 0% APR on new purchases for 12 months.
Just keep in mind the card’s limitations. Your 2% rewards are capped after $50,000 in spending each year, and the only redemption option is statement credits on your account.
If your business spends significantly more than $50,000 annually, but you like the simplicity of flat cash back and no annual fee, consider a card like the Chase Ink Business Unlimited® credit card. You’ll earn a lower 1.5% cash back on every purchase, but there’s no spending limit. Evaluate your business’ annual expenses before you apply to determine which option might be a better value for you.
If you want more rewards options, you may want to consider another American Express card option, like the Blue Business Plus Credit Card from American Express. This card offers 2x American Express Membership Rewards points on up to $50,000 in spending per year, then 1x points. Like the American Express Blue Business Cash Card, it also charges no annual fee.
Because the Blue Business Plus Credit Card earns Amex Membership Rewards points instead of cash back, you can redeem for statement credits, gift cards, merchandise, travel through AmexTravel.com, or transfer points to American Express airline and hotel partners.
Frequently Asked Questions (FAQ)
What credit score is needed for the Amex Blue Business Cash Card?
For the best chances of approval, you should have at least good to excellent credit before applying for this card, or a score of at least 670.
Does the American Express Blue Business Cash Card charge foreign transaction fees?
This card charges a 2.7% foreign transaction fee if you use it for purchases outside the United States.
How do you redeem rewards earned with the American Express Blue Business Cash Card?
Rewards earned with this card are automatically applied to your account as statement credits, which reduce your balance owed.