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MoneyGeek’s Take
The American Express Blue Business Cash™ Card Review
Updated: November 14, 2024
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The American Express Blue Business Cash™ Card
On Issuer's Site
Rewards Summary
Earn 1% – 2% cash backEarn 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.
APR
17.74% - 25.74% VariableAnnual Fee
$0Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Considering a credit card that aligns well with the needs of a small business? The American Express Blue Business Cash™ Card may be just what you're searching for. This card stands out due to its straightforward cash back structure, coupled with no annual fee, ensuring businesses see a net gain from their expenditures. While it provides a 0% introductory APR on purchases, it's worth noting its lack of a welcome bonus and cash back cap. Nevertheless, its flexible spending feature offers additional buying power, making it a reliable choice for businesses keen on maximizing their financial flexibility.
The American Express Blue Business Cash™ Card Overview
When selecting a credit card, thoroughly evaluating its features is crucial to ensure it aligns with your financial needs and goals.
- Rewards rate - Earn 2% cash back on up to $50,000 in purchases per calendar year, then 1% cash back on all eligible purchases after that
- Welcome offer - Earn a $250 statement credit after you make $3,000 in purchases on your card in your first three months
- Regular APR - 17.74% - 25.74% variable See Rates and Fees
- Annual fee - $0 See Rates and Fees
- Intro APR offer - 0% APR on purchases for 12 months (followed by regular APR of 17.74% - 25.74% variable) See Rates and Fees
- Terms Apply
- See Rates and Fees
Blue Business Cash Cash Back Estimator
Estimate the value of the cash back you could earn with the Blue Business Cash card. This tool helps you understand how much cash back you can earn based on your spending habits. Simply enter your estimated spending in each category to see your potential rewards.
Important Disclaimers:
- This calculator is for planning and evaluation purposes and is not sponsored or endorsed by American Express.
- Some of your purchases may not be eligible for earning points.
- The value of points at redemption will vary.
1
How much do you spend on eligible purchases per MONTH (2% cash back)?
$
2
How much do you spend on eligible purchases per YEAR after reaching $50,000 (1% cash back)
$
Total Cash Back Earned:$0
Important Card Details
Navigating the world of business credit cards can be intricate, with each card presenting a unique set of features tailored to various needs. In this analysis, we delve deep into the American Express Blue Business Cash™ Card, unpacking its offerings to determine how it aligns with the multifaceted demands of today's businesses.
Rewards Rate
The American Express Blue Business Cash™ Card offers an impressive 2% cash back on all purchases up to $50,000 each calendar year, a rate that makes it competitive with other cash back cards in the market. The rewards structure is straightforward, making it ideal for businesses with diverse expenses. However, after hitting the $50,000 mark, the rewards rate drops to 1%, a feature that might limit the earning potential for high-spending businesses.
No Annual Fee
This card offers all its features and benefits without an annual fee. No yearly fee means one less expense for small businesses, giving them a higher return on their spending. Plus, without a recurring fee, even modest spending businesses can realize a net gain from the cash back rewards.
Modest Intro APR Offer on Purchases
For businesses making large purchases or those needing some initial breathing room, the introductory 0% APR for the first 12 months could be a decent benefit. This 0% introductory APR period is relatively short compared to other cards but allows businesses to manage their cash flow better by spreading the cost of purchases over a year without accumulating extra charges. However, after the introductory period, the APR jumps to a variable rate between 17.74% and 25.74%, APRs will not exceed 29.99%, so it’s crucial to pay off purchases before the promotional period ends to avoid hefty interest charges.
Expanded Buying Power
One distinct feature of the American Express Blue Business Cash™ Card is the Expanded Buying Power. This allows businesses to spend over their credit limit, offering flexibility when unexpected expenses occur. There are no over-limit fees, making it easier to manage larger purchases or handle emergencies. Note, though, that the amount you can spend above your credit limit isn't unlimited and adjusts with your card use, payment history and credit record.
Welcome Offer
Experience the joy of intelligent spending with this exclusive welcome bonus offer. You can earn a substantial $250 statement credit as a new card member. This reward is yours when you use your new credit card to make purchases totaling $3,000 or more within the first three months of your card membership. This feature is particularly advantageous for those planning to use their card for everyday expenses, larger one-time purchases, or a combination of both. It's an excellent way to make your spending work for you right from the start.
How the American Express Blue Business Cash™ Card Compares
Comparing the features and benefits of two credit cards side-by-side can provide clarity on which best suits your personal financial needs and preferences.
How This Card Compares
The American Express Blue Business Cash™ Card
- Rewards rate - Earn 2% cash back on up to $50,000 in purchases per calendar year, then 1% cash back all eligible purchases after that
- Welcome offer - Earn a $250 statement credit after you make $3,000 in purchases on your card in your first three months
- Regular APR - 17.74% - 25.74% variable See Rates and Fees
- Annual fee - $0 See Rates and Fees
- Intro APR offer - 0% introductory APR on purchases for 12 months (followed by regular APR of 17.74% - 25.74% variable) See Rates and Fees
- Terms Apply
- Best for: Small businesses seeking a straightforward cash back rewards structure with an enticing welcome offer and no annual fee, paired with an introductory APR advantage.
Capital One Spark Cash Plus
- Rewards rate - Earn 5% cash back on hotels and rental cars booked through Capital One Travel, then 2% cash back on all purchases
- Welcome offer - One-time cash bonus of $2,000 once you spend $30,000 in the first three months
- Regular APR - N/A (charge card)
- Annual fee - $150 (can be refunded every year you spend at least $150,000
- Intro APR offer - None
- Best for: High-spending businesses that frequently book hotels and rental cars, looking for premium cash back rates and can leverage a substantial welcome bonus while not prioritizing a revolving balance.
For rates and fees of The American Express Blue Business Cash™ Card, please click here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
About Grace Pilling
Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.
Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.