The American Express Blue Business Cash™ Card
Rates and fees
Intro APR
0% on purchases for 12 months from date of account opening
Purchase APR
16.74% - 26.74% Variable
Annual Fee
$0
Foreign Transaction Fee
2.7% of each transaction after conversion to US dollars.
Rewards Rate
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter.
Welcome Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Details
- 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, 16.74% - 26.74%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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
Nav's Verdict
Bottom line: One of the highest cash back rates available for small business cards.
Card Review Details
This card definitely has some perks, many of which make it a good credit card for small business owners. One of the primary ones, particularly when compared to other American Express cards, is that The American Express Blue Business Cash™ Carddoes not have an annual fee.
Beyond that, this card also can help you bring in some solid cash back rewards. Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter.
If you’re looking for a card that can help you earn more for airfare purchases, you may want to consider the American Express Delta Business cards, which include the Delta SkyMiles® Gold Business American Express Card, Delta SkyMiles® Platinum Business American Express Card, and the Delta SkyMiles® Reserve Business American Express Card card.
Does the The American Express Blue Business Cash™ Cardoffer flexible repayment options?
WithThe American Express Blue Business Cash™ Card, like other Amex card, cardholders have the ability to carry a balance from month to month, but outside of any introductory 0% APR period, interest will be applied monthly and payment terms are typically based on your original card agreement.
If you’re looking for more flexibility, then you may want to consider the The Plum Card® from American Express, which offers a consistent 60 day, 0% financing program, a discount for early payment, and the option to select one of three payment dates.
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