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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Blue Business Cash™ Card - Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card

Annual Fee: No annual fee

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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.
  • The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee - Rates and Fees
  • Terms Apply
American Express Blue Business Cash™ Card - Learn More

Overview of The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is designed for small business owners looking to maximize their cash back rewards while enjoying a straightforward fee structure. One of the standout features of this card is the absence of an annual fee, making it an attractive option for businesses of all sizes. The card offers an enticing sign-up bonus, cash back on purchases, and the flexibility of Expanded Buying Power, allowing for greater purchasing freedom as your business grows.

Pros

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% thereafter.
  • Cash back earned is automatically credited to your statement.
  • Expanded Buying Power allows you to spend beyond your credit limit, adapting to your business needs.
  • No annual fee, making it cost-effective for small businesses.

Cons

  • Cash back rewards are capped at 2% on the first $50,000 spent annually, dropping to 1% after that.
  • Some users may find the terms and conditions complex, especially regarding Expanded Buying Power.
  • Limited benefits compared to premium cards with higher fees.

Why We Like This Card

- The American Express Blue Business Cash™ Card is ideal for small business owners who prefer simplicity in their rewards structure. Without an annual fee, it’s easy to see why many choose this card as a staple in their financial toolkit. - The generous sign-up bonus provides an immediate benefit, which can significantly aid in managing initial business expenses. - Cash back rewards are straightforward, making it easy for business owners to track their spending and rewards accumulation. - The Expanded Buying Power feature is particularly beneficial for businesses that experience fluctuating expenses, providing flexibility when needed. - Overall, the combination of cash back rewards, no annual fee, and the opportunity for a substantial sign-up bonus makes this card a competitive option in the world of business credit cards.

Highlights of Rewards

WHAT YOUR REWARDS GET YOU

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
  • 1% cash back on all eligible purchases after spending $50,000 per calendar year.

Rates & Fees

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”