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The American Express Blue Business Cash™ Card is designed for business owners who may need to spend beyond their credit limit and want to earn cash back without keeping track of spending categories. It features Expanded Buying Power, which is an adjustable credit limit based on your usage, payment history, credit record, and financial resources. Plus, the card comes with expense management tools and doesn’t charge an annual fee.
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| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
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When grading fixed-rate cash back business credit cards like the American Express Blue Business Cash™ Card, we first consider the ongoing rewards. We also rate the introductory rewards, annual fee, introductory and ongoing annual percentage rates (APRs), and additional features.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 30 | 30 |
| Introductory Rewards | 15 | 20 |
| Additional Features | 13 | 15 |
| Annual Fee | 15 | 15 |
| Introductory APR | 7 | 10 |
| Ongoing APR | 7 | 10 |
| Total Score | 87 | 100 |
- Who the American Express Blue Business Cash™ Card Is Best For
- American Express Blue Business Cash™ Card Rewards
- American Express Blue Business Cash™ Card Features
- American Express Blue Business Cash™ Card Fees
- American Express Blue Business Cash™ Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
Who the American Express Blue Business Cash™ Card Is Best For
- Those with up to $50,000 in annual expenses: It offers 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% after that.
- Those who don’t want to monitor spending categories: You can earn fixed-rate rewards for all eligible purchases, regardless of categories.
- Those who may exceed their credit limit: With its expanded buying power, you can spend above your credit limit. Your buying power adjusts with your use of the card, your payment history, your credit record, financial resources, and other factors.
If this card is not what you’re looking for, consider one of our recommended alternatives below.
American Express Blue Business Cash™ Card Rewards
- $250 statement credit after spending $3,000 in purchases within the first three months from the date of account opening
- 2% cash back on the first $50,000 in eligible purchases
- 1% cash back after the $50,000 purchase cap is met
American Express Blue Business Cash™ Card Calculator
Use our rewards calculator to compute the potential rewards you can earn with the American Express Blue Business Cash™ Card. Enter your projected monthly spending and let our calculator do the rest.
American Express Blue Business Cash™ Card Calculator
Your potential monthly reward earnings are:
How To Redeem American Express Blue Business Cash™ Card Rewards
The cash back you earned will be credited to your account automatically as a statement credit by the second billing statement after you earned the rewards. For example, if you made a total of $5,000 in eligible purchases in January, you will receive $100 cash back as a statement credit on your March billing statement.
Note that you will not receive a statement credit for your eligible purchases if you fail to pay the minimum payment by its due date. Also, your rewards are forfeited if your account is canceled before the statement credit is issued.
American Express Blue Business Cash™ Card Features
Cash Management
- Expanded buying power: Spend over your credit limit and enjoy cash flow flexibility. The amount you can spend will depend on your card usage, payment history, credit score, and financial resources.
- QuickBooks integration: Connect to QuickBooks so your financial transactions are automatically tagged with your QuickBooks categories.
- Year-end summary: Get access to a complete summary of your spending, which is categorized by month and purchase type, at the end of each year. This will help you keep track of your business expenses.
- Free employee cards: Add employee cards at no additional cost and monitor employee spending with alerts and summary reports.
- Account managers: Assign a trusted employee or partner as account manager to access and manage your business credit card account so you can delegate this task when needed.
- Vendor Pay by Bill.com: Use your card to pay bills with Vendor Pay by BILL. You can take advantage of free access to the Basic Plan for the first user and no fee for a second user for six months. Note that you’ll pay $15 per month for the second user after the free trial period.
Travel
- Car rental loss and damage insurance: Rent a car using this card, and you’re covered with car rental loss and damage insurance. To be eligible, decline the collision damage waiver offered by the rental company.
- Global Assist® hotline: Receive access to medical, legal, financial, and other emergency services when you’re traveling farther than 100 miles from home through this 24/7 hotline. Note that this is a concierge service only—any fees charged by third-party service providers will be charged to card owners.
Protection Coverage
- Purchase protection: Get coverage against theft and damage on new purchases for up to 90 days from the purchase date. This coverage is limited to $1,000 per occurrence and $50,000 per calendar year.
- Extended warranty protection: Take advantage of an extended warranty for one additional year for purchases with original manufacturer’s warranties of up to five years or less. To be eligible, the items must be purchased in either the United States or its territories or possessions using your American Express credit card.
- Dispute resolution: Be assured that American Express will work with you to help resolve any fraudulent or incorrect charge done on your account.
American Express Blue Business Cash™ Card Fees
APR
- Introductory: 0% on purchases for the first 12 months
- Ongoing and balance transfers: 16.74% to 26.74%
- % variable, which adjusts with the prime rate
- Penalty: 29.99% variable, which adjusts with the prime rate. It applies to your account if you:
- Make late payments twice in a 12-month period
- Fail to pay the minimum payment by the closing date when it is due
- Make a returned payment
Fees
- Annual: None
- Balance transfer: If eligible, either $5 or 3% of the amount transferred, whichever is greater
- Foreign transaction: 2.7% of each transaction after conversion to United States dollars (USD)
- Late payment: Up to $39
- Overlimit: None
- Returned payment: $39
Your due date is at least 25 days after the close of each billing period.
- Online or mobile banking: You can pay via the Amex website or mobile app.
- Phone: Call (800) 472-9297, state your card information when prompted, and then follow the prompts.
- AutoPay: Log in to your online account and click “Payments” in the blue navigation bar, then choose “Manage AutoPay.”
- Wire transferIf you wish to make your payment via wire transfer, it is necessary to include your American Express account number where the payment will be posted. Note that while American Express does not charge additional fees, your bank may charge a fee to process the transaction. : Include your card member name, your American Express account number, and the following information when paying via this option:
- Bank name: Chase Manhattan Bank
- Account name: American Express Card Member Wire Depository
- Address: 1 Chase Plaza New York, NY 10081
- ABA number (routing number): 0210-0002-1
- Account number: 910-2-753036
- Mail: You can send your credit card bills via courier or express delivery mail to either address below. Ensure to include your account number on the front of your payment for easy reference.
First Class Mail
American Express
PO Box 96001
Los Angeles, CA 90096-8000
American Express Blue Business Cash™ Card Alternatives
American Express Blue Business® Plus
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
If you prefer to earn points rewards over cash back, then we recommend the American Express Blue Business® Plus. This card also lets you earn points on the first $50,000 in eligible purchases, and offers a flexible credit limit through its expanded buying power.
U.S. Bank Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
The U.S. Bank Business Triple Cash Rewards World Elite Visa® is a viable option if you are looking for a small business credit card that lets you divide eligible purchases into manageable payments. It also lets you earn up to 5% cash back in selected spending categories, has a 0% introductory period on purchases, and a $0 annual fee.
card_name
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | 16.99% - 24.99% Variable |
| Annual Fee | annual_fees |
| Credit Needed |
If you have significant expenses on office supplies and on internet, phone, cable, and phone services, then the card_name is an excellent alternative card for you as you can earn premium cash back rewards on it. This card also lets you redeem earned cash back in multiple ways—giving you the advantage of choosing which option will bring the most value for your business.
Frequently Asked Questions (FAQs)
You can apply online or by phone by calling (877) 673-6758. You will need to provide the following information:
- Business’s legal name, address, phone number, and email address
- Federal tax identification number (TIN) or Social Security number
- Type of industry your business is engaged in
- Company structure
- Number of years your company has been in business
- Number of employees
- Annual business revenue
- The name you would like to appear on the card
Yes, you can request a credit limit increase for your American Express Blue Business Cash™ Card. Simply log in to your account and choose the American Express Blue Business Cash™ Card. Go to “Account Services,” click “Payment & Credit Options,” and select “Request Credit Limit Increase.” Ensure to type in your desired credit limit and other relevant information.
So long as you have a personal credit score of over 700, a stable business income to pay off credit bills, and a low debt relative to income, your odds of getting a American Express Blue Business Cash™ Card will be higher.
Bottom Line
The American Express Blue Business Cash™ Card is an excellent choice for those wanting to earn fixed-rate cash back rewards on all purchases and those needing flexible buying power. Keep in mind that the premium cash back of 2% is only applicable to the first $50,000 purchases per year.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business® Cash™
American Express Blue Business® Plus
