How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

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American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

Intro Purchase APR
0% on purchases for 12 months from date of account opening
Rewards Rate
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Regular Purchase APR
13.24% - 19.24% Variable
Edited by
Julie Sherrier
Reviewed by
Tracy Brackman
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the American Express Blue Business Cash™ Card best for?

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.

American Express Blue Business Cash™ Card overview

    • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
    • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
    • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
    • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
    • No Annual Fee
    • Terms Apply
  • Credit needed:
    680 850
    Excellent/Good

American Express Blue Business Cash™ Card benefits include:

  • Car rental loss and damage insurance
  • Global Assist Hotline
  • Extended warranty and purchase protection
  • American Express Experiences
  • Employee cards at no additional charge
  • Expense management tools
  • Amex Offers (enrollment required)

Intro Purchase APR

0% on purchases for 12 months from date of account opening

Regular Purchase APR

13.24% - 19.24% Variable

Intro BT APR

N/A

Regular BT APR

N/A

Annual Fee

No annual fee

Cash Advance Fee

N/A

Foreign Transaction Fee

2.7% of each transaction after conversion to US dollars.

Balance Transfer Fee

N/A

Pros and cons

Pros

  • Simple rewards structure
  • No annual fee
  • Intro APR on purchases
  • Welcome bonus

Cons

  • Cap on bonus earning
  • No balance transfer intro APR

What we like about the American Express Blue Business Cash™ Card

  • 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 13.24% - 19.24% 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 bonus

    New American Express Blue Business Cash™ Card cardholders can 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.

What to watch out for with the American Express Blue Business Cash™ Card

  • 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.

Alternate Amex business card

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

Disclosures |
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
on American Express's secure site
Terms Apply
0% on purchases for 12 months from date of account opening
13.24% - 19.24% Variable
No annual fee
Earn 2X Membership Rewards® points on everyday business purchases such as office
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 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.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

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 bonus. 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.

Compare the American Express Blue Business Cash™ Card to similar cards

Comparison of four different credit cards
American Express Blue Business Cash™ Card The Blue Business<sup>®</sup> Plus Credit Card from American Express Ink Business Unlimited<sup>®</sup> Credit Card Capital One Spark Cash Select - $500 Cash Bonus
American Express Blue Business Cash™ Card The Blue Business® Plus Credit Card from American Express Ink Business Unlimited® Credit Card Capital One Spark Cash Select - $500 Cash Bonus
Apply Now
on American Express's secure site
Terms Apply
Apply Now
on American Express's secure site
Terms Apply
Apply Now
on Chase's secure site
Apply Now
on Capital One's secure site
Welcome Offer
$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
Annual Fee
No annual fee No annual fee $0 $0
Rewards Rate
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% 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. Earn unlimited 1.5% cash back on every purchase made for your business 1.5% Cash Back on every purchase
Intro Purchase APR
0% on purchases for 12 months from date of account opening 0% on purchases for 12 months from date of account opening 0% Intro APR on Purchases for 12 months N/A
Regular APR
13.24% - 19.24% Variable 13.24% - 19.24% Variable 13.24% - 19.24% Variable 13.24% - 19.24% (Variable)
Recommended Credit
Excellent/Good Excellent/Good Excellent/Good Excellent
Card Details
American Express Blue Business Cash™ Card The Blue Business® Plus Credit Card from American Express Ink Business Unlimited® Credit Card Capital One Spark Cash Select - $500 Cash Bonus

Is the American Express Blue Business Cash™ Card right for you?

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.

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

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.

Apply Now
on American Express's secure site
Terms Apply