If you are a small business owner who wants to earn cash back on every purchase without paying an annual fee, American Express has a solution for you.

The latest addition to American Express’s small business card portfolio — the American Express Blue Business Cash™ Card — lets cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, and charges no annual fee. Additionally, the card offers Expanded Buying Power, which enables cardholders to spend beyond their credit limit, without penalty, and get rewarded on those purchases.

Note, the American Express Blue Business Cash™ Card replaced the SimplyCash Plus Business Credit Card from American Express — which ceased accepting applications in 2019.

To see the rates and fees for the American Express Blue Business Cash™ Card, please click here.

• Simple rewards program

  The American Express Blue Business Cash™ Card is ideal for cardholders who want a simple rewards structure.

  Since you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, there’s no need to keep up with bonus spend categories.

  If you max out the spending cap by making $50,000 in purchases in a year, you will earn $1,000 cash back.

• Expanded buying power

  American Express helps business owners pursue growth opportunities, deal with unexpected costs and pay for larger purchases with Expanded Buying Power.

  The feature lets you buy above your credit limit — with no overlimit fees — and earn cash back on those purchases.

  Keep in mind that, at the end of the billing cycle, the portion above your credit limit will be due in full.

• Intro APR on purchases

  The American Express Blue Business Cash™ Card offers an intro APR on purchases of 0% on purchases for 12 months from date of account opening, followed by an APR of 17.99% - 25.99% variable.

  Although we recommend paying off your bill in full each month, the introductory offer provides a great opportunity to pay off large expenses over a long period of time without incurring interest charges.

• No annual fee

  Unlike business cards that can charge upwards of $595 per year, the American Express Blue Business Cash™ Card has no annual fee — allowing you to enjoy all the benefits that come with the card without a big financial commitment.

• Welcome offer

  New American Express Blue Business Cash™ Card cardholders can earn a Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months..

To see the rates and fees for the American Express Blue Business Cash™ Card, please click here.

• Cap on rewards earnings

  The American Express Blue Business Cash™ Card only allows cardholders to earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

  If your company charges more than $4,200 each month on business expenses, you’ll be better off with a card that offers bonus cash back without a spending cap.

To see the rates and fees for the American Express Blue Business Cash™ Card, please click here.

Compare it to the The Blue Business^® Plus Credit Card from American Express

 

If you prefer earning points rather than cash back, you may want to consider The Blue Business^® Plus Credit Card from American Express.

The Blue Business^® Plus Credit Card from American Express is virtually identical to the American Express Blue Business Cash™ Card, except this card gives you an opportunity to earn 2x membership rewards® points on everyday business purchases such as office supplies or client dinners. 2x applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

Both cards feature the same annual fees, intro APRs, regular APRs and foreign transaction fees, and neither card offers a welcome offer. Besides their names, where they differ the most is that one offers cash back rewards, while the other offers points.

If you travel frequently, The Blue Business^® Plus Credit Card from American Express may be the better choice. Along with redeeming points for gift cards, shopping, travel, entertainment, merchandise and charity, the card lets you transfer points, often at a 1:1 rate, to a number of airlines and hotels, including Delta SkyMiles, JetBlue TrueBlue, Choice Privileges, Marriott Bonvoy™ and more.

With American Express Blue Business Cash™ Card, your cash back will automatically be credited to your account as a statement credit.

To see the rates and fees for the The Blue Business^® Plus Credit Card from American Express, please click here.

Overall, the ability to earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% — without paying an annual fee — with the American Express Blue Business Cash™ Card is a generous offer.

However, if you spend more than $50,000 per year on business expenses, you’ll be better off with a card that offers unlimited cash back on every purchase, like the Capital One Spark Cash Select - $500 Cash Bonus. This card offers unlimited 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel.

Plus, for new cardmembers, earn $500 cash back once you spend $4,500 on purchases within the first 3 months from account opening.

The information related to the Ink Business Unlimited^® Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

To see the rates and fees for the American Express Blue Business Cash™ Card, please click here.
To see the rates and fees for the The Blue Business^® Plus Credit Card from American Express, please click here.