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The information for the Blue Business Cash™ Card from American Express has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.
If you're a business owner with low-to-moderate spending who is looking for a starter business card, the Blue Business Cash™ Card from American Express could be a good choice. It has a competitive cash back program, but there are some popular perks that it lacks. Explore all its pros and cons in this Blue Business Cash™ Card from American Express review.
Blue Business Cash™ Card from American Express
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
18.49% to 26.49%, variable
Rewards 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.
1% - 2% cash back
Annual Fee
$0
Welcome Offer Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.
$250 statement credit
A solid choice for businesses that don't spend too much, with a high cash back rate up to an annual spending cap and a 0% intro APR.
This credit card is a good fit for: Business owners who want a great cash back rate on purchases and spend up to $50,000 per year.
This American Express card has a few valuable features for business owners.
New cardholders of the Blue Business Cash™ Card from American Express can earn a $250 statement credit after spending $3,000 in the first 3 months. Terms apply.
The Blue Business Cash™ Card from American Express earns 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. For a no annual fee card, 2% is an excellent cash back rate. (See rates and fees.) Unfortunately, the $50,000 yearly limit could be a problem if your business spends more than $4,000 to $5,000 per month. Terms apply.
MORE OPTIONS: Best Cash Back Business Credit Cards
If you're trying to keep business expenses down, you probably don't want to pay any unnecessary fees. This is a no annual fee card, so there's no cost to carry it.
Employee cards are free of charge. A useful and under-appreciated perk of American Express cards is that you can set spending limits for authorized users. This includes employee cards, and you can also get spending alerts and summary reports. Terms apply.
The Blue Business Cash™ Card from American Express offers a 0% intro APR for 12 months on new purchases. Once that intro period ends, the go-to variable APR applies going forward. If you have any major business expenses, such as opening a new location, you could use your card to finance the costs interest free for a year.
RELATED: Best 0% APR Credit Cards
American Express lets you exceed your credit limit to make purchases without paying an over-the-limit fee. The amount you can spend beyond your credit limit depends on a variety of factors, including your use of the card and payment history. Some credit cards either don't let you exceed your credit limit or charge you an extra fee if you do. Terms apply.
If you do go over your limit, you'll have to pay that extra money back in full along with your minimum payment at the end of your billing cycle. Otherwise, the penalty APR will apply to your entire balance. While expanded buying power can be helpful, you should be cautious about how you use it to avoid costly interest charges.
LEARN MORE: How Does Credit Card Interest Work?
You don't have to spend any time redeeming your cash back as it will be automatically applied as a statement credit each month. Terms apply.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
---|---|---|---|---|---|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
||
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
There are a couple of notable flaws with this business credit card.
This card charges a foreign transaction fee of 2.7% of the transaction amount in U.S. dollars. If you or your employees will be traveling and need to make purchases abroad, you're better off checking out credit card reviews and picking a card without this type of fee. (See rates and fees.)
Since this card earns 2% on up to $50,000 in purchases per calendar year and 1% on spending past that, it's only suitable for businesses that spend up to that amount. If your business expenses are greater than that, then you should compare credit cards with higher spending caps. Terms apply.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
You should have a good credit score or better, which means a FICO® Score of at least 670, to apply for the Blue Business Cash™ Card from American Express.
Since this is a business credit card, it's intended for business owners. Card issuers are normally flexible about who's eligible, though. You can get approved for a business credit card as a freelancer, with a small side gig, or with a new business that isn't making money yet.
You want a simple, no-fuss business credit card and your business spends $50,000 or less per year. This card's 2% cash back rate on up to that amount is excellent. The 0%, 12 months intro APR on purchases is another useful perk if you need to finance big expenses. Terms apply (see rates and fees.)
If your business spends more than $5,000 per month, the Blue Business Cash™ Card from American Express likely isn't a match. With that type of spending, you could earn more from business credit cards with bonus categories or unlimited flat-rate cash back.
SEE TOP PICKS: Best Business Credit Cards
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
The credit limit for the Blue Business Cash™ Card from American Express generally ranges from $1,000 to $20,000 or more depending on creditworthiness. This card also offers expanded buying power that lets you exceed your credit limit. The amount you can exceed your credit limit isn't unlimited though, and it's based on several factors, including your use of the card and payment history.
American Express cards like the Blue Business Cash™ Card from American Express have a 99% acceptance rate among U.S. merchants that accept credit cards. While American Express is widely accepted in the United States, it lags behind Visa and Mastercard in terms of international acceptance.
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For rates and fees for the Blue Business Cash™ Card from American Express, click here
The Motley Fool recommends Amex.