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Amex Blue Business Cash Review: A Basic, No Annual Fee Business Card

Review Updated
Lyle Daly
Author: Lyle Daly
Lyle Daly
Lyle Daly
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Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. His work with Motley Fool Money and The Motley Fool has appeared syndicated in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Eric McWhinnie
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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

Offer status

The information for the Blue Business Cash™ Card from American Express has been collected independently by Motley Fool Money. 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.

Ratings Methodology

Blue Business Cash™ Card from American Express

Blue Business Cash™ Card from American Express
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. 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.
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= Excellent
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Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. 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
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

APR

17.74% to 25.74%, variable

Rewards Circle with letter I in it. 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 Circle with letter I in it. Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.

$250 statement credit

  • We think this card is well-suited for businesses with moderate spending that want to maximize rewards while saving on interest. It offers 2% cash back on all eligible purchases (up to $50,000 per year, then 1%), making it a strong choice for businesses looking for a high, flat-rate cash back program. With no annual fee, 0% intro APR for the first year, and helpful expense management tools, it’s a great fit for small business owners who prefer simple rewards and easy bookkeeping.

    • High cash back rate
    • No annual fee
    • Employee cards with spending limits
    • 0% APR intro offer
    • Foreign transaction fee
    • Cash back spending cap
    • Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.
    • 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.
    • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
    • 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% to 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
    • No Annual Fee
    • Terms Apply
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.

Our Top Business Credit Card Alternate Options

We suggest taking a good look at various options to pick the perfect card for you and your small business. Remember, not all business credit cards are created equal, and every business has unique needs. To help you out, we've put together a short list of top-notch business credit cards that offer great value across a variety of business types.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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
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= Poor
Earn up to $750 bonus cash back Circle with letter I in it. Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Earn 5% cash back in select business categories Circle with letter I in it. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.74% - 25.74% Variable

Apply Now for Ink Business Cash® Credit Card

On Chase's Secure Website.

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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.
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= Excellent
= Good
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Earn $750 bonus cash back Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.74% - 23.74% Variable

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. 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
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150,000 Miles Circle with letter I in it. 150,000 Miles once you spend $30,000 in the first 3 months from account opening 2X-10X miles Circle with letter I in it. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options.

Intro:

Purchases: N/A

Balance Transfers: N/A

Regular: N/A

Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Full Amex Blue Business Cash review

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.

Top perks

This American Express card has a few valuable features for business owners.

$250 statement credit welcome offer

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.

2% cash back

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

No annual fee

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

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.

0% intro APR for 12 months

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

Expanded buying power

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?

Automatic redemptions

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.

What could be improved

There are a couple of notable flaws with this business credit card.

Foreign transaction fee

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.)

Cash back spending cap

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.

Find the best credit card for your needs
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Suggested credit score

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.

The Amex Blue Business Cash is right for you if:

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

Our credit card methodology

At Motley Fool Money, 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 Motley Fool Money rates credit cards.

FAQs

  • 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.