The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.


  • American Express Blue Business Cash™ Card

    Straightforward cash back for businesses with no annual fee


    • 1–2% Cash Back*Rewards Rate
    • 18.49% – 26.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

    American Express Blue Business Cash™ Card

    Terms, rates and fees apply

Considering a credit card that aligns well with the needs of a small business? The American Express Blue Business Cash™ Card may be just what you're searching for. This card stands out due to its straightforward cash back structure, coupled with no annual fee, ensuring businesses see a net gain from their expenditures. While it provides an attractive interest-free period on purchases, it's worth noting its lack of a welcome bonus and cash back cap. Nevertheless, its flexible spending feature offers additional buying power, making it a reliable choice for businesses keen on maximizing their financial flexibility.

American Express Blue Business Cash™ Card Overview

When selecting a credit card, thoroughly evaluating its features is crucial to ensure it aligns with your financial needs and goals.

  • Rewards rate - Earn 2% cash back on up to $50,000 in purchases per calendar year, then 1% cash back on all purchases after that
  • Welcome offer - Earn a $250 statement credit after you make $3,000 in purchases on your card in your first three months
  • Regular APR - 18.49% to 26.49% variable) (See rates and fees)
  • Annual fee - $0 (See rates and fees)
  • Intro APR offer - 0% APR on purchases for 12 months (followed by regular APR of 18.49% to 26.49% variable) (See rates and fees)

Important Card Details

Navigating the world of business credit cards can be intricate, with each card presenting a unique set of features tailored to various needs. In this analysis, we delve deep into the American Express Blue Business Cash™ Card, unpacking its offerings to determine how it aligns with the multifaceted demands of today's businesses.

  • rewards icon

    Rewards Rate

    The American Express Blue Business Cash™ Card offers an impressive 2% cash back on all purchases up to $50,000 each calendar year, a rate that makes it competitive with other cash back cards in the market. The rewards structure is straightforward, making it ideal for businesses with diverse expenses. However, after hitting the $50,000 mark, the rewards rate drops to 1%, a feature that might limit the earning potential for high-spending businesses.

  • noAnnualFee icon

    No Annual Fee

    This card offers all its features and benefits without an annual fee. No yearly fee means one less expense for small businesses, giving them a higher return on their spending. Plus, without a recurring fee, even modest spending businesses can realize a net gain from the cash back rewards.

  • lowInterestAPR icon

    Modest Intro APR Offer on Purchases

    For businesses making large purchases or those needing some initial breathing room, the introductory 0% APR for the first 12 months could be a decent benefit. This interest-free period is relatively short compared to other cards but allows businesses to manage their cash flow better by spreading the cost of purchases over a year without accumulating extra charges. However, after the introductory period, the APR jumps to a variable rate between 18.24% and 26.24%, so it’s crucial to pay off purchases before the promotional period ends to avoid hefty interest charges.

  • excellentCredit icon

    Expanded Buying Power

    One distinct feature of the American Express Blue Business Cash™ Card is the Expanded Buying Power. This allows businesses to spend over their credit limit, offering flexibility when unexpected expenses occur. There are no over-limit fees, making it easier to manage larger purchases or handle emergencies. Note, though, that the amount you can spend above your credit limit isn't unlimited and adjusts with your card use, payment history and credit record.

  • noBag icon

    Lack of Welcome Offer

    One downside to this card is the absence of a welcome offer, a perk commonly found with many business credit cards. These offers often provide a substantial boost in rewards for new cardholders after they meet the spending requirement. This missing feature means businesses may miss out on a significant initial bonus that could offset costs or be reinvested into the business. Nonetheless, the card's ongoing benefits, like high flat-rate cash back, no annual fee and expanded buying power, may still make it an appealing option for many small businesses.

How the American Express Blue Business Cash™ Card Compares

Comparing the features and benefits of two credit cards side-by-side can provide clarity on which best suits your personal financial needs and preferences.

How This Card Compares

Loading...

American Express Blue Business Cash™ Card

  • Rewards rate - Earn 2% cash back on up to $50,000 in purchases per calendar year, then 1% cash back on all purchases after that
  • Welcome offer - Earn a $250 statement credit after you make $3,000 in purchases on your card in your first three months
  • Regular APR - 18.49% to 26.49% variable) (See rates and fees)
  • Annual fee - $0 (See rates and fees)
  • Intro APR offer - 0% APR on purchases for 12 months (followed by regular APR of 18.49% to 26.49% variable) (See rates and fees)
  • Best for: Small businesses seeking a straightforward cash back rewards structure with an enticing welcome offer and no annual fee, paired with an introductory APR advantage.
creditCard1 icon

Capital One Spark Cash Plus

  • Rewards rate - Earn 5% cash back on hotels and rental cars booked through Capital One Travel, then 2% cash back on all purchases
  • Welcome offer - One-time cash bonus of $1,200 once you spend $30,000 in the first three months
  • Regular APR - N/A (charge card
  • Annual fee - $150 (can be refunded every year you spend at least $150,000
  • Intro APR offer - None
  • Best for: High-spending businesses that frequently book hotels and rental cars, looking for premium cash back rates and can leverage a substantial welcome bonus while not prioritizing a revolving balance.

About Grace Pilling


Grace Pilling headshot

Grace Pilling is passionate about empowering readers to make informed financial choices to support their best lives, not a company’s bottom line. Prior to joining MoneyGeek as a senior content manager, Grace was a senior editor at CreditCards.com and Bankrate, where she focused on teaching people how to use credit cards wisely.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.