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American Express® Blue Business Cash Card Review

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At a Glance
American Express Blue Business Cash Card
4.3 / 5
Rating

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American Express® Blue Business Cash Card

  • Welcome Offer: None
  • Rewards: 2% cash back on all eligible purchases, up to $50,000 in purchases per year; then unlimited 1% cash back on all other eligible purchaess
  • Intro APR: 0% APR on purchases and balance transfers for 12 months from account opening; after that, variable regular APR applies (15.24 to 21.24%, depending on creditworthiness)
  • Fees: 2.7% foreign transaction fee
  • Annual Fee: $0
  • Credit Needed: Good/Excellent
  • Terms and Conditions Apply: For rates and fees of the American Express Blue Business Cash Card, please visit this rates and fees page.

Advertiser Disclosure: This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

The American Express® Blue Business Cash Card is a popular business credit card with no annual fee and a solid cash back rewards program that rewards business owners for everyday purchases they’d make anyway. With no annual fee, it works well as a general-purpose business credit card, and its 12-month, 0% APR purchase and balance transfer promotion is great for business owners looking to finance big purchases or pay down existing debts.

The Blue Business Cash Card competes with a number of business-oriented rewards cards, including American Express Blue Business Plus and Chase Ink Cash Business.

Key Features

These are the key features of the Blue Business Cash Card:

Earning Cash Back Rewards

The American Express Blue Business Cash Card earns 2% cash back on the first $50,000 spent on eligible purchases each year. Above the limit, purchases in these categories earn an unlimited 1% cash back.

Redeeming Cash Back Rewards

Accrued cash back is automatically applied to your account as a statement credit at the end of each billing period.

Introductory APR

Enjoy 0% APR on purchases and balance transfers for 12 months from account opening. Qualifying balance transfers must be requested within 60 days of account opening. For rates and fees of the American Express Blue Business Cash Card, please visit this rates and fees page.

Regular APR

Following the conclusion of the introductory APR period, variable regular APR applies: 15.24 to 21.24%, depending on your creditworthiness and other factors – see rates and fees for important information.

Important Fees

There is no annual membership fee. Foreign transactions cost 2.7% of the total transaction amount, regardless of denomination. Late and returned payments cost up to $39. Balance transfers cost the greater of $5 or 3%.

Additional Business Benefits

Blue Business Cash comes with a slew of value-added benefits that aren’t available to non-business cardholders. These include:

  • SpendManager, which allows you to add receipt images and text tags to specific transactions in your American Express online account and phone app
  • The ability to assign an authorized Account Manager (such as a trusted employee) to handle things like dispute resolution, additional card ordering, and payments
  • Customizable account alerts
  • Integrations with third-party apps and sites like QuickBooks and Bill.com

Shopping Benefits

This card’s shopping benefits include purchase protection against theft and damage for 90 days after each covered item’s purchase, and 12-month extended warranties on items whose original warranties last five years or less.

Travel Benefits

The Blue Business Cash card’s travel benefits include:

  • 24/7 roadside assistance anywhere, anytime
  • 24/7 global assistance for travelers more than 100 miles from home

Expanded Buying Power

With this card’s Expanded Buying Power feature, you can spend beyond your credit limit to make bigger purchases for your business while earning cash back on those purchases. However, your additional spending power isn’t unlimited – it adjusts with your card use patterns, payment history, credit record, financial resources known to Amex, and other factors.

Credit Required

This card requires good to excellent credit. Any notable credit blemishes are likely to be disqualifying.

Advantages

  1. No Annual Fee. This card doesn’t come with an annual fee, a noteworthy benefit for budget-conscious business owners. Rival cards such as Chase Ink Business Preferred ($95) and the Business Gold Card from American Express ($295) do have annual fees.
  2. Earn 2% Cash Back on the First $50,000 in Eligible Purchases Each Year. Blue Business Cash earns 2% cash back on the first $50,000 in eligible purchases each year. That works out to potential 2% cash back earnings of $1,000 annually, which can make a huge difference for business owners who watch every dollar. By contrast, Capital One Spark Classic for Business offers a flat 1% cash back on all purchases.
  3. Strong Introductory Interest Promotion on Purchases and Balance Transfers. This card has a 12-month 0% APR introductory promotion on purchases and balance transfers (though balance transfers must be made within 60 days of account opening). If you’re planning a substantial business investment too large to pay off in a single month, or looking to pay down high-interest credit card debt, this is your opportunity to save hundreds on interest charges.
  4. Cash Back Automatically Accrues to Your Account. With Blue Business Cash, you never have to worry about redeeming your cash back. That’s automatically done for you at the end of each billing period. Most other cash back business cards require you to manually redeem your rewards, a potentially inconvenient extra step that’s easy to get lost in the shuffle of everyday business obligations.

Disadvantages

  1. Has a Foreign Transaction Fee. This card’s 2.7% foreign transaction fee is a big bummer for business owners who routinely travel beyond the United States’ borders. The Capital One business credit card family (Spark) doesn’t charge foreign transaction fees.
  2. Spending Cap for the 2% Category. The 2% cash back category maxes out at $50,000 in eligible purchases per year, which may be a limitation for larger businesses with higher spending requirements. If you expect to exceed this limit in the normal course of events, consider alternatives such as the Business Green Rewards Card from American Express, the Business Gold Card from American Express, and the Business Platinum Card from American Express.
  3. No Cash Welcome Offer. This card has no cash welcome offer. That’s bad news for new cardholders seeking bonuses on spending right out of the gate.

Final Word

If you haven’t considered applying for the American Express® Blue Business Cash Card or another business credit card because you don’t think you qualify as a business owner, it’s time to take another look. Even if you’re a sole proprietor without formal incorporation, you may still be eligible for this credit card if you certify that you intend to use it only for business expenditures. In many cases, filing a Schedule C with your income taxes, signifying that you’re self-employed, is enough to demonstrate that you’re a business owner – whether you oversee a one-person operation or a multi-employee company.

It’s important to remember that while the American Express Blue Business Cash Card’s terms resemble those of many consumer credit cards, business cards are exempt from some of the key provisions of the CARD Act, such as the requirement that cardholders regularly be notified of changes in terms and conditions.

For rates and fees of the American Express Blue Business Cash Card, please visit this rates and fees page.

Verdict
American Express Blue Business Cash Card
4.3 / 5
Rating

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American Express® Blue Business Cash Card

The American Express® Blue Business Cash Card is 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.

The potentially generous cash rewards, automatic cash back deposits, solid introductory APR promotion, and lack of an annual fee are nice. The existence of spending caps, general spending limits, and foreign transaction fees (which can hamper the airline and hotel benefits, should cardholders choose them) are drawbacks. Overall, this is a nice business cash back card for small business owners.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Brian Martucci
Brian Martucci writes about frugal living, entrepreneurship, and innovative ideas. When he’s not interviewing small business owners or investigating time- and money-saving strategies for Money Crashers readers, he’s probably out exploring a new trail or sampling a novel cuisine. Find him on Twitter @Brian_Martucci.

Comments Disclosure: The below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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