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The American Express Blue Business Cash™ Card

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(3.8) Rating
Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

The American Express Blue Business Cash™ Card

For those looking for a simple 2% cash back Amex business credit card. (Up to $50,000 a year; 1% thereafter)

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(3.8) Our Review
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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

The American Express Blue Business Cash™ Card

For those looking for a simple 2% cash back Amex business credit card. (Up to $50,000 a year; 1% thereafter)

BONUS OFFER

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

💵 Your Projected Rewards Value
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Key facts

The American Express Blue Business Cash card is convenient for a simple 2% cash back on up to $50,000 a year in eligible purchases (1% thereafter).

Annual Fee:

$0 (Rates and fees)

AVG Point Value:

$0.01 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

APR on Purchases:

0 % Intro APR on purchases for 12 months, 18.49%-26.49% thereafter

Foreign Transaction Fee:

2.7% of each transaction after conversion to US dollars.

For those that like to keep it simple, earn cash back, have access to a range of American Express card benefits, and make mostly domestic purchases (as this card does carry a foreign transaction fee), all without an annual fee – this may be your card for every day business purchases.

Reward multipliers

The bonus category structure on the Blue Business Cash card is incredibly straight forward as there really are none!

Enjoy 2% cash back on all eligible purchases until you reach $50,000 per calendar year. After that, your eligible purchases will earn 1% cash back. There are no other bonus categories.

This card does not earn travel rewards (only cash back).

 

Earns bonus points for spend in the following bonus categories:

2x
Airfare

Estimated Rewards Value: 2%

2x
Transit

Estimated Rewards Value: 2%

2x
Car Rentals

Estimated Rewards Value: 2%

2x
Cable / Internet / VOIP Phone

Estimated Rewards Value: 2%

2x
Costco

Estimated Rewards Value: 2%

2x
Gas Stations

Estimated Rewards Value: 2%

2x
Cellular Phone Service

Estimated Rewards Value: 2%

2x
Dining Out / Food Delivery

Estimated Rewards Value: 2%

2x
Hotels

Estimated Rewards Value: 2%

2x
Lyft

Estimated Rewards Value: 2%

2x
Office Supplies

Estimated Rewards Value: 2%

2x
Shipping

Estimated Rewards Value: 2%

2x
Single Charges over $5,000

Estimated Rewards Value: 2%

2x
Groceries

Estimated Rewards Value: 2%

2x
Cruises

Estimated Rewards Value: 2%

2x
Drugstores

Estimated Rewards Value: 2%

2x
Streaming Services

Estimated Rewards Value: 2%

2x
Gym Memberships

Estimated Rewards Value: 2%

2x
Advertising (Online / TV / Radio)

Estimated Rewards Value: 2%

2x
Entertainment (Concerts / Shows / Movies)

Estimated Rewards Value: 2%

2x
Advertising on Search Engines and Social Media

Estimated Rewards Value: 2%

2x
U.S. Electronic Goods Retailers / Software / Cloud System Providers

Estimated Rewards Value: 2%

1x
Everything Else

Estimated Rewards Value: 1%

Key features

1

Unique Card Benefits

2% Cash Back Rewards on All Eligible Purchases Up to $50,000 Per Calendar Year

This is really the main unique benefit of the Blue Business Cash within the Amex lineup!

The rest of its features and benefits fall into the standard categories listed below.

Expanded Buying Power

You may be able to purchase items on the card above your credit limit depending on your creditworthiness and payment history.

Business Expense Management Tools

Stay organized and top of your business expenses thanks to the card’s ample financial resources. QuickBooks allows you to automatically designate all business transactions charged to your statement, making it easier to track your spending over time. You’ll also have complimentary access to Vendor Pay by Bill.com for the primary cardholder, where you can seamlessly pay your invoices.

2

0% Intro APR on Purchases

0 % Intro APR on purchases for 12 months, 18.49%-26.49% thereafter

(Rates and Fees)

3

Purchase Protection

The Amex Blue Business Cash card provides peace of mind for new products you buy with the card when it is stolen or damaged within 90 days of purchase.

Terms: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

4

Extended Warranty

American Express provides a very highly regarded Extended Warranty service with the Blue Business Cash that adds an extra year onto the Manufacturer’s Warranty of 3 years or less. I personally put all of my electronics charges on an Amex card for this reason. In a recent claim on an Apple laptop, I scheduled the repair and submitted the claim and actually had the claim paid before my date of service for the repair!

Terms: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

5

Secondary Car Rental CDW Waiver

The Blue Business Cash offers Secondary Car Rental Loss and Damage Insurance, which can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company.

Terms: This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

6

Travel and Emergency Assistance Services

Terms: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

7

Does Not Report Credit Line to Personal Credit Profile

As a business credit card, while Amex might pull your personal credit when you apply for the American Express Blue Business Cash card, they won’t report the card account or your credit utilization to your personal credit as long as your account is in good standing.
It’s also worth noting that if you already have a relationship with American Express, it’s likely they won’t pull your credit at all, instead relying on their own data.

8

No Fees for Authorized Users

If you want additional employee cards, you can get them with no cost. As the primary cardholder, you’ll manage the spending and credit limit on these employee cards while earning Membership Rewards points that are added to your Membership Rewards balance.

9

Free Access to Credit Score

Available when you opt-in to their free “MyCredit Guide.” Find this on the Amex website under My Account >> Free Credit Tools and Support.

10

Amex Offers

Get access to up to 100 money-saving discounts through Amex, the credit card issuer. You can add Amex Offers on your online Amex account or on the Amex app, meet the spending requirements and save accordingly.

Earn more rewards by combining credit cards

The American Express Blue Business Cash™ Card
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Pros & cons

  • If you like simple, this card offers that with 2% cash back and no bonus categories to keep track of
  • No annual fee
  • Comes with Extended Warranty, Purchase Protection, and Secondary Collission Damage Waiver on rental cars.
  • No bonus categories means no way to multiply your earnings
  • Foreign transaction fees apply if you use the card abroad
  • Does not have nearly as many Amex benefits as its fee-based cards

The American Express Blue Business Cash™ Card

Learn How to Apply Rates and fees

Our review

The American Express Blue Business Cash business credit card is a great card for those who are both not interested in points (prefer cash back) and do not want to keep track of bonus categories.

With a simple 2% cash back on all eligible purchases until you reach $50,000 in spend in a calendar year, it’s a perfectly suitable cash back card for those that spend under $50,000 in a calendar year for their business. Though the rate will drop to 1% on eligible purchases after you spend $50,000 in a calendar year, there is no limit to the amount of cash back that you can earn.

cash-back-american-express-blue-business-cash-card-review
If you prefer American Express Membership Rewards points instead of cash, there is a nearly identical version of this credit card, called the American Express Blue Business Plus™ Card, which earns Membership Rewards points instead of cash at the same rate.

Keep in mind that this no-annual fee card does charge a 2.7% foreign transaction fee, so please make sure you have a separate credit card with no foreign transaction fees for your trips abroad.

If you spend more than $50,000 a year, however, and want straight cash back and expanded buying power, you should consider these two alternative business credit cards:

  • The Chase Ink Business Premier, which is a charge card with no preset limit and earns 2% cash back on everything and even earns 2.5% cash back on purchases over $5,000.
  • The Capital One Spark Cash Plus, which is a charge card with no preset limit that earns 2% on all purchases.

If you would like to have separate Blue Business Cash cards for your employees, you can do so with no fee.

Rates and Fees for the The American Express Blue Business Cash™ Card

Frequently asked questions

1

Does the Amex Blue Business Cash have an annual fee?

No, the American Express Blue Business Cash has no annual fee.

2

Does the Amex Blue Business Cash credit card get you into airport lounges?

The Blue Business Cash card, as a no-annual fee card, does not come with benefits like airport lounge access. You can use our Card Explorer to find cards that offer this benefit.

3

Is it hard to get the American Express Blue Business Cash card?

It’s not hard to get the Blue Business Cash credit card, with a FICO score of only around 670 needed for approval, on average.

4

Is it worth getting the Amex Blue Business Cash credit card?

The American Express Blue Business Cash card is convenient for a simple 2% cash back on up to $50,000 a year in eligible purchases (1% thereafter).

5

How do I earn cash back with the Amex Blue Business Cash?

For the first $50,000 you spend per calendar year on eligible purchases, you’ll earn 2% cash back. You’ll earn 1% thereafter.

6

Can I earn points with the Amex Blue Business Cash card?

No, you would want the Blue Business Plus card if you want to earn American Express Membership Rewards points.

7

Is there a better credit card than the Blue Business Cash?

The Blue Business Cash is a very simple card. Depending on what features you want in a credit card, there are many options that may be better suited for you. We make it easy to sort by feature and benefit in our Famous Card Explorer.

8

Does the Blue Business Cash charge foreign transaction fees?

Yes, the Blue Business Cash has a 2.7% foreign transaction fee, so you should only use the card domestically in the United States.

9

Does the Blue Business Cash have car rental coverage?

Yes. Coverage is secondary to your own auto insurance.

10

Does the the Blue Business Cash come with any Elite Status?

No, the Amex Blue Business Cash is not affiliated with loyalty status in any programs.

11

Does the Blue Business Cash offer extended warranty?

Yes.

12

Does the Blue Business Cash offer purchase protection?

Yes.

13

Does the Blue Business Cash offer trip protections?

The American Express Blue Business Cash does not offer any trip protections. You’ll want to use our Card Explorer to find a credit card that does.

14

What credit score do I need to get a Blue Business Cash?

You’ll need a Good credit score or around 670 or higher on the FICO scoring system.

15

What can I do with the points earned for spending on the American Express Blue Business Cash

You don’t earn points, just pure cash back.

16

Does the Amex Blue Business Cash have Cell Phone Protection?

No, the Amex Blue Business Cash does not offer any cell phone insurance. You’ll want to use our Card Explorer to find a credit card that does.

17

Is there a limit to how much cash back you can earn with the American Express Blue Business Cash card?

There is no limit, but you’ll only earn 2% on the first $50,000 per calendar year in eligible purchases. You’ll earn 1% thereafter.