The American Express Blue Business Cash™ Card provides business owners with a simple, straightforward way to earn cash back on business purchases. You can earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. If you prefer to have no annual fee with your business card and want to earn cash back with an easy rewards structure, the American Express Blue Business Cash™ Card may be the card for you.
What we like about the American Express Blue Business Cash™ Card
- You can earn 2% cash back on up to $50,000 in purchases each year — that’s one of the highest cash back rates around for business cards. Terms Apply.
- No annual fee (See Rates & Fees)
- The card comes with other business-friendly perks, like car rental damage and loss insurance, free employee cards and extended warranty and purchase protection
Things to consider
- Big business spenders may benefit more from cards that offer unlimited 2% cash back and no spending limits, even if there’s an annual fee
- The card is limited to cash back rewards, so you might be able to get better travel rewards with a travel business credit card
- If you do plan to use this card while traveling, be aware of the 2.7% foreign transaction fee (See Rates & Fees) for purchases
Cash back details
The American Express Blue Business Cash™ Card provides 2% cash back on transactions of up to $50,000 per year, then 1% unlimited cash back after that. Cash back is automatically applied as a statement credit. You get an introductory APR rate of 0% for purchases for the first 12 months (then ongoing 13.24% - 19.24% Variable (See Rates & Fees), which can be helpful depending on your business needs and purchases.
With Expanded Buying Power from the American Express Blue Business Cash™ Card, you can spend beyond your credit limit. The Expanded Buying Power capacity adjusts as you use your card, with factors like credit record, payment history and financial resources influencing the limit.
Maximize your cash back rewards by spending at least $50,000 on the card each calendar year to get the maximum 2% cash back, then 1%.
The fact that the American Express Blue Business Cash™ Card has no annual fee is an attractive feature, compared to similar business cards with annual fees. There’s also no over-limit fee with this card, which can be helpful when you need to make big purchases.
Late payment fees are up to $39, and returned payment fees are $39, which are all standard for business credit cards (See Rates & Fees).
The card’s 2.7% foreign transaction fee may decrease the usefulness of this card for business owners and employees who frequently travel abroad. For business owners and employees who do extensive international travel, a travel business card with no foreign transaction fees may make more sense.
How does it compare to other business credit cards?
The American Express Blue Business Cash™ Card is a good choice for entrepreneurs and small business owners. If your business is growing, you may want to look at other options. The Ink Business Unlimited℠ Credit Card also doesn’t have an annual fee and provides unlimited cash back rates, along with a cash back intro offer. If you know you’ll be spending significantly each year and travel internationally, the Capital One® Spark® Cash for Business may be a better choice. With the Capital One® Spark® Cash for Business, you can get more competitive cash back rewards, plus there’s no foreign transaction fee.
|Card||Ongoing Purchase APR||Annual Fee||Intro Bonus||Credit Needed||Key features|
|American Express Blue Business Cash™ Card||13.24% - 19.24% Variable (See Rates & Fees)||No annual fee (See Rates & Fees)||No current offer||Excellent||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. Terms Apply.|
|Ink Business Unlimited℠ Credit Card||14.74% - 20.74% Variable||$0||Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening||Excellent||Earn unlimited 1.5% cash back on every purchase made for your business|
|Capital One® Spark® Cash for Business||18.49% (Variable)||$0 intro for first year; $95 after that||One-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening||Good to excellent||Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions|
The bottom line
The American Express Blue Business Cash™ Card can provide big cash back benefits depending on what your expected expenses are each year. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. If you plan to spend more than $50,000 a year or travel often out of the country, other business credit cards or travel credit cards may be a better fit.
For rates and fees of American Express Blue Business Cash™ Card, please click here.
Please Note: The Capital One® Spark® Cash for Business is currently unavailable through our site. Additionally, information about the Ink Business Unlimited℠ Credit Card have been collected independently by TheSimpleDollar.com. The issuer did not provide the details, nor is it responsible for their accuracy.
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