AmEx Blue Business Cash

3.5/5 stars

A business card with no annual fee, competitive interest rates, and 2% cashback on all eligible purchases.

Pros

Simple cash-back rewards
Expanded buying power to spend beyond credit limit for larger or unexpected business purchases
0% introductory APR

Cons

2% cash back rate only applies to first $50,000 in purchases each year
International transaction fees
Personal guarantee required

The Bottom Line

The AmEx Blue Business Cash card is a good option for businesses that operate domestically and may need flexible spending power for occasional large purchases.

This page may contain affiliate links. Our assessments are grounded solely in the product’s merits and performance.

Plans & Pricing

Blue Business Cash

$0/per year

APR: 0% on purchases for the first 12 months, variable rate 18.49%-26.49% after
Foreign Transaction Fees: 2.7% of each transaction after conversion to USD
Late Payment Fees: Up to $39

Visit Site

With the AmEx Blue Business Cash card, you’ll have access to the following features:

Employee cards
Online statements
Quickbooks integrations
Account alerts
Designate account managers

Intro Offer:

Earn a $250 statement credit after spending $3,000 in the first 3 months.

0% APR for the first 12 months.

Rewards:

2% cash back on all purchases up to $50,000 per calendar year
1% cash back after that

You’ll also have access to car rental loss and damage insurance as a cardholder, as well as a global assist hotline for when the unexpected happens during travel.

Eligibility

The AmEx Blue Business Cash card eligibility is determined by the business owner’s personal credit information. In general, you’ll need the following for a good approval chance:

700+ personal credit score
Business revenue
Enough income to pay off credit card bills
Low debt relative to income
U.S. mailing address
Employee Identification Number (EIN)

Pricing information is retrieved from publicly accessible pricing materials. The actual cost may vary based on specific plans chosen. Always check directly with the seller for the final quote.

Pricing information last updated March 7, 2024.

Eigibility requirements mentioned are for informational purposes only and are sourced from publicly accessible information. Final eligibility for any product or service is determined solely by the vendor or service provider.

Ask Haystack AI

Find out if the AmEx Blue Business Cash card is right for your business.

Product Review

The American Express Blue Business Cash™ Card is a versatile credit card designed for small to medium-sized businesses looking for a straightforward cash back rewards program without an annual fee. The card focuses on providing value through cash back on everyday business purchases, along with the flexibility of a credit card to manage cash flow. It offers a 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% thereafter. The cash back earned is automatically credited to the statement. Interest rates can vary based on the prime rate and the cardholder’s creditworthiness, and there’s an introductory 0% APR offer on purchases for the first year. Eligibility typically depends on the business owner’s credit score and the financial health of the business.

Here are some of its key features:

Automatic Cash Back Redemption: Cash back is automatically credited to the statement, simplifying the rewards process.
AmEx Offers: Access to additional savings and discounts with merchants through AmEx Offers.
Account Management Tools: Provides robust online tools for tracking expenses, managing employee cards, and setting spending limits.
Purchase Protection: Offers protection on eligible purchases made with the card, including theft and accidental damage coverage.

Uniquely, the AmEx Blue Business Cash Card offers Expanded Buying Power, which allows you to spend above your credit limit for big purchases and unexpected situations. However, the amount you can spend is not unlimited. It adjusts based on your use with the card, your payment history, and credit record.

Best for: Domestic Businesses with Occassional Large Purchases

The AmEx Blue Business Cash Card is well-suited for small to medium-sized businesses that prefer a straightforward cash back program to offset business expenses without tracking specific spending categories. It’s particularly appealing for businesses that primarily operate within the United States and can benefit from the introductory APR period to manage cash flow or finance larger purchases.

Businesses with high international transaction volumes might find the foreign transaction fees costly, and those with annual expenses significantly exceeding $50,000 may find the cash back cap limiting. Companies looking for rewards in specific categories like travel or dining, or those interested in premium card perks, might need to look elsewhere.

Why we love it:

Simplicity: The straightforward cash back program is easy to understand and manage, with no need to enroll in rotating categories.
Flexibility: The Expanded Buying Power feature allows businesses to adapt to changing financial needs and opportunities.
Reliable Protection: Features like purchase protection, extended warranty, and dispute resolution provide peace of mind for business transactions.
AmEx Customer Service: American Express’s reputation for strong customer service and business support adds an extra layer of value to the card.