American Express
Blue Business Cash® Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $250 Statement Credit |
| Rewards Rate | 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 decent option for small businesses seeking a no-annual-fee card with straightforward cash back rewards, however, it is not an exceptional option due to the capped rewards. The 2% cash back on the first $50,000 in purchases is attractive, and the sign-up bonus provides immediate value. However, the high ongoing APR diminishes the card's overall appeal. Strengths: - No annual fee - 2% cash back on purchases (up to $50,000) - Introductory APR period - Sign-up bonus Weaknesses: - High regular APR - Spending cap on the 2% cash back rate Considering these factors, the card earns an overall rating of 3.2 out of 5. It's a good card, but the APR and spending cap prevent it from being an excellent choice.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
Things to consider
- High regular APR
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 Eligible Purchases on the first $50,000 of eligible purchases per calendar year
- 1% CASH BACK On Purchases Thereafter Cash back earned is automatically credited to your statement.
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.
Additional Notes
American Express can be accepted at 99% of places in the US that accept credit cards. Based on the Feb 2024 Nilson Report.