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Pros & Cons
Pros
- +Welcome Bonus: $250
- +Purchase protection included
- +No annual fee
Cons
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Our Review
Boost Every Business Dollar with the American Express Blue Business Cash™ Card
- 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%
- $250 statement credit after $3,000 in purchases within the first 3 months
- 0% intro APR on purchases for 12 months
- No annual fee
- Expanded Buying Power lets you exceed your credit limit when you need extra spending flexibility
- Up to 99 employee cards at no additional cost, each with customizable spending controls
- 2.7% foreign transaction fee
Whether you’re stocking inventory, covering travel expenses or managing variable monthly costs, the Blue Business Cash™ Card delivers straightforward rewards and flexible credit. Earn automatic statement credits each month—no redemption hassles—and enjoy the security and convenience of AmEx’s digital tools and 24/7 support. Tailor employee access with individual limits, then tap into Expanded Buying Power to handle growth spurts without missing a beat.
Terms apply. Cash back cap applies after $50,000 annual spend. Statement credit bonus and intro APR require minimum spend. Foreign transaction fee: 2.7%. See American Express for complete details.
Rewards
All Spending
2x
Cash Back pts per dollar
Credit Card Rewards Calculator
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Points Earned
60,000
Cash Back/yr
Estimated Value
$600
After Fees
+$600
1st Year Value
$603
incl. welcome bonus
Breakdown
Additional Benefits
Purchase Protection
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 years
Auto Rental Collision (secondary)
Up to $50,000 / 30 days
Terms & Conditions
Card Features
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.