Blue Business Cash™ Card from American Express review

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Advertiser Disclosure

Interest Rate: Purchases
14.99% ‐ 20.99% (Variable) (0% for the first 12 months)
Balance Transfer
14.99% ‐ 20.99% (Variable) (0% for the first 12 months)
Rewards
2% cashback
Signup Bonus
-


9.1/10
Informr score
The Blue Business Cash™ Card from American Express currently has an Informr score of 9.1 out of 10. This score is based on our evaluation of 8 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Blue Business Cash™ Card from American Express is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Credit Card Insider

A cash-back-centric credit card for the cash-back-centric business, and that’s that. The $50,000 spending limit on the 2% reward rate is a rather significant constraint, but it’s still an excellent card for up-and-coming or smaller businesses, especially since there’s no annual fee

- Sean Messier, Credit Card Insider
CreditDonkey

Blue Business Cash credit card is a great choice if you're looking for simple, straightforward cash-back rewards. The reward rate is generous for a business card with no annual fee. Since there is no welcome bonus, long-term users will find the most value.

- Anna G, CreditDonkey
The Wirecutter

The Blue Business Cash from American Express is our top small-business credit card pick, and for good reason: You earn an automatic 2% cash back on up to $50,000 in spending per year (then 1%), it charges no annual fee, and it comes with Amex’s superior customer service. All of that makes the Blue B...

- Emily Long, The Wirecutter
NextAdvisor

A smart option for businesses looking to earn significant cash back rewards on all purchases. Add in an introductory APR on both purchases and balance transfers, a reasonable ongoing APR and all the benefits of the American Express program and you’ve got the perfect choice.

- NextAdvisor
CreditCards.com

Small business owners looking for a simple cash back card that offers a consistently high rate of cash back should take a close look at the American Express Blue Business Cash Card. The freshly released business cash back card comes with some outstanding features, including cash flow solutions and 2...

- Holly Johnson, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 14.99% ‐ 20.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.99% ‐ 20.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate
Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee
Foreign Transaction Fee 2.7%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 2% cash back (on first $50000 spent)

1% thereafter

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Additional Benefits

- Global Assist Hotline

- Spend Manager℠

- Connect to QuickBooks®

- Year-End Summary

- Dispute Resolution

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Credit Card Insider

A very good all-around credit card

from Credit Card Insider

A cash-back-centric credit card for the cash-back-centric business, and that’s that. The $50,000 spending limit on the 2% reward rate is a rather significant constraint, but it’s still an excellent card for up-and-coming or smaller businesses, especially since there’s no annual fee

Read full review

A cash-back-centric credit card for the cash-back-centric business, and that’s that. The $50,000 spending limit on the 2% reward rate is a rather significant constraint, but it’s still an excellent card for up-and-coming or smaller businesses, especially since there’s no annual fee

Read full review

Less

CreditDonkey

Good cash back card for small business owners

from CreditDonkey

Blue Business Cash credit card is a great choice if you're looking for simple, straightforward cash-back rewards. The reward rate is generous for a business card with no annual fee. Since there is no welcome bonus, long-term users will find the most value.

Read full review

Blue Business Cash credit card is a great choice if you're looking for simple, straightforward cash-back rewards. The reward rate is generous for a business card with no annual fee. Since there is no welcome bonus, long-term users will find the most value.

Read full review

Less

The Wirecutter

Best cash-back business credit card

from The Wirecutter

The Blue Business Cash from American Express is our top small-business credit card pick, and for good reason: You earn an automatic 2% cash back on up to $50,000 in spending per year (then 1%), it charges no annual fee, and it comes with Amex’s superior customer service. All of that makes the...More

The Blue Business Cash from American Express is our top small-business credit card pick, and for good reason: You earn an automatic 2% cash back on up to $50,000 in spending per year (then 1%), it charges no annual fee, and it comes with Amex’s superior customer service. All of that makes the Blue Business Cash an easy-to-use, good-for-most-people business rewards card.

Read full review

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NextAdvisor

A great choice for companies looking for a no annual fee card

A smart option for businesses looking to earn significant cash back rewards on all purchases. Add in an introductory APR on both purchases and balance transfers, a reasonable ongoing APR and all the benefits of the American Express program and you’ve got the perfect choice.

Read full review

A smart option for businesses looking to earn significant cash back rewards on all purchases. Add in an introductory APR on both purchases and balance transfers, a reasonable ongoing APR and all the benefits of the American Express program and you’ve got the perfect choice.

Read full review

Less

CreditCards.com

One of the most rewarding cash back cards for small business owners

from CreditCards.com

Small business owners looking for a simple cash back card that offers a consistently high rate of cash back should take a close look at the American Express Blue Business Cash Card. The freshly released business cash back card comes with some outstanding features, including cash flow solutions an...More

Small business owners looking for a simple cash back card that offers a consistently high rate of cash back should take a close look at the American Express Blue Business Cash Card. The freshly released business cash back card comes with some outstanding features, including cash flow solutions and 2 percent cash back on your first $50,000 in purchases each year and, all for no annual fee.

Read full review

Less

One Mile at a Time

Some people will find it to be worthwhile

from One Mile at a Time

The Blue Business Cash is a small business card that’s worth being aware of. Earning 2% cash back with a no annual fee card is potentially a great option. However, I’d note that the Blue Business Plus offers 2x Membership Rewards points on the first $50,000 spent annually, which I’d conside...More

The Blue Business Cash is a small business card that’s worth being aware of. Earning 2% cash back with a no annual fee card is potentially a great option. However, I’d note that the Blue Business Plus offers 2x Membership Rewards points on the first $50,000 spent annually, which I’d consider to be a better option. Furthermore, if I were to get a cash back business card, I’d personally get the Capital One Spark Cash Business instead.

Read full review

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ValuePenguin

A strong option for small business owners

from ValuePenguin

Ultimately, the American Express® Blue Business Cash Card is best for businesses who spend less than the $50,000 cap per year (roughly $4,000 per month). If your business is spending substantially more than $4,000 every month, you'll be better off with a business credit card that doesn't have a...More

Ultimately, the American Express® Blue Business Cash Card is best for businesses who spend less than the $50,000 cap per year (roughly $4,000 per month). If your business is spending substantially more than $4,000 every month, you'll be better off with a business credit card that doesn't have a spending cap, like the Capital One® Spark® Cash for Business.

Read full review

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Money Crashers

A nice business cash back card for small business owners

from Money Crashers

A straightforward business cash back card that’s ideal for smaller entrepreneurs whose moderate spending needs cover a variety of everyday categories. It’s not as useful for business owners with higher spending requirements, nor for those in search of more varied rewards programs.

Read full review

A straightforward business cash back card that’s ideal for smaller entrepreneurs whose moderate spending needs cover a variety of everyday categories. It’s not as useful for business owners with higher spending requirements, nor for those in search of more varied rewards programs.

Read full review

Less

User Reviews


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