American Express
Blue Business CashTM Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $250 statement credit |
| Rewards Rate | 1%-2% Cash Back |
| Intro APR | 0% introductory APR on purchases for 12 months from the date of account opening. |
| Regular APR | After that, your APR will be a variable rate, 16.74% - 26.74%. |
| Network | American Express |
About this card
The Blue Business Cash Card is a solid choice for small business owners, earning an overall rating of 3.6 out of 5. Its strengths lie in its simple and valuable cash-back rewards structure, $0 annual fee, and the backing of American Express. The 2% cash back on all purchases up to $50,000 per year is a significant benefit, and the sign-up bonus adds further value. The intro APR offer is also a plus for new businesses. However, the card has limitations, including a high regular APR range and a $50,000 spending cap on the 2% cash back. Furthermore, a 1% cash-back rate after the cap is uncompetitive. While user sentiment is generally positive, comparisons to the Blue Business Plus card (which offers Membership Rewards points) are common, with some users preferring the latter for its high-value travel redemption potential. Given the positives and negatives, this card will be suited to business owners who want straightforward value and don't want to track spending categories.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Intro APR period
- Cashback on purchases
Things to consider
- High regular APR
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn a $250 Statement Credit after you spend $3,000 in purchases on your Card in your first 3 months of Card Membership.
Rewards
- 2% CASH BACK On Purchases up to $50,000 per calendar year
- 1% CASH BACK On Purchases Thereafter
Other features
- Know if you're approved with no personal credit score impact
- Option to spend above your credit limit with Expanded Buying Power As business needs evolve, your spending power should too. Expanded Buying Power gives you the freedom to spend above your credit limit and get business done. 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.
- Cash back earned is automatically credited to your statement.
Additional Notes
American Express can be accepted at 99% of places in the US that accept credit cards. 3Based on the Feb 2024 Nilson Report.