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If you spend money on your business anyway, you should be rewarded for your purchases with one of the best credit cards. With the American Express Blue Business Cash™ Card, you can earn unlimited cash back on your spending with no annual fee.

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The Amex Blue Business Cash Card earns 2% back on all eligible purchases on the first $50,000 spent in a calendar year (1% back thereafter). If you take full advantage of the 2% rate and spend an average of $4,167 per month on the card, you’ll earn $1,000 annually (cash back in earnings dollars).

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If you prefer to earn transfer points or spend significantly more than $50,000 in a calendar year, a rewards credit card may be better for your needs. In some cases, paying an annual fee can result in a more lucrative return. But for small businesses that need a simple cash back card with no tracking bonuses, this card is worth considering.

The Amex Blue Business Cash Card now offers a $250 credit after you make $3,000 in card purchases within the first three months of account opening. As mentioned above, this card has no introduction, so being able to get it makes it even more valuable.

If you’d like to compare this offer to other card introductory bonus offers, be sure to read our guide to the best current credit card bonuses.

The Amex Blue Business Cash Card works like a cash back credit card, but you won’t get cash back. Instead of worrying about building up balances and withdrawing cash, American Express automatically puts your cash back (earned in profit dollars) on your statement.

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This type of repayment, known as a credit report, is similar to cash in that it reduces your next debt by the amount you receive. After your credit statement and eligible purchases, the credit statement automatically appears in your account on the next pay statement you receive. It is important to note that you will not receive a credit statement if you do not make the minimum payment or if you cancel your card before the credit is issued.

Amex offers a decent set of benefits with this card, including value travel and purchase protection, which are more common on annual fee cards.

The Amex Business Blue Cash Card has an introductory 0% APR on purchases within 12 months of account opening, after which you’ll pay 18.49% – 26.49% variable APR.

Taking advantage of a zero-interest credit card offer can save you a lot of money in interest if you make large purchases that you want to pay off over a long period of time, but make sure you have a plan and a way to pay off the balance before the introductory period ends. .

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Purchase protection covers eligible new purchases made with your card within up to 90 days, against accidental damage and theft, up to $1,000 per item and $50,000 per account per calendar year. If you buy a new business cell phone and drop it a week later and crack the screen, you’ll be glad you have this advantage.

When you pay for eligible purchases with the Amex Blue Business Cash Card, you get an extra year on top of the manufacturer’s warranty of five years or less. Coverage is up to $10,000 per item, up to $50,000 per card account per calendar year.

If you are traveling for business and need to rent a car, this feature allows you to avoid paying extra for expensive collision and damage insurance from the rental company.

When you charge the full cost of your rental car to your Amex eBlue Business credit card and decline a rental company that doesn’t have a loss release, you’ll receive a second rental payment. Some restrictions apply, so be sure to read the restrictions.

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Amex Business Blue Cardmembers can call the Amex Global Assist hotline for assistance with translation services, lost luggage, emergency legal and medical referrals, lost passport assistance, and more. The Global Assist Helpline will help arrange these services, but you will be responsible for any costs incurred.

Like other American Express cards, the Amex Blue Business Cash Card includes targeted discounts and rewards at participating merchants through Amex Offers**.

The Amex Blue Business Cash Card also includes a number of useful tools and features for small business owners, including:

Internal ratings are determined by our editors. The rating system takes various factors into account and compares cards to other cards of the same type to choose the card that best suits your needs.

American Express Blue Business Cash Card Review 2023

Earn 2% cash back every day on eligible business purchases (up to $50,000 in purchases, 1% thereafter). Get 1% cashback on all other purchases.

$250 credit report after you make $3,000 in card purchases in the first three months of account opening

If you spend money on your business anyway, you should be rewarded for your purchases with one of the best small business credit cards. With the American Express Blue Business Cash™ Card, you can earn unlimited cash back on your spending with no annual fee.

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The Amex Blue Business Cash Card has no annual fee, so it won’t cost you anything long-term as long as you always pay your card balance in full on the due date. If you have a balance, there is a variable annual interest rate of 18.49% – 26.49%.

The card adds a foreign transaction fee, so it’s not a good choice for international purchases. There are also fees for unusual activities such as:

If you avoid such transactions and always pay your card in full, you pay no interest or fees.

The Blue Business® Plus Credit Card from American Express is very similar to the Amex Blue Business Credit Card, except with a 2% cash back bonus on the first $50,000 spent each year (1% after that), earning 2x the first points 50,000 USD. on purchases each year (so 1 point per dollar). If you want to use your rewards credit card to book travel, the ability to earn Amex points may make the Blue Business® Plus Credit Card from American Express a better choice.

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Similar to the Business Blue Cash Card from Amex, the Blue Business® Plus Credit Card from American Express offers an introductory 0% APR on purchases for the first 12 months after account opening, followed by a variable 18.49% to 26.49%.

If you want to use a business credit card that offers cash back, this is a good alternative

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