American Express® Blue Business Cash Card

Advertiser & Editorial Disclosure

Miles or points-based rewards card certainly have their perks, but sometimes earning and redeeming your rewards can get complicated. The offers a straight forward, cash back rewards program that leaves little work for you to do, aside from using the card. With cash back on select spending categories, you can… Continue

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Straightforward cash back card for business purchases

American Express® Blue Business Cash Card

Intro APR 0% on purchases for 12 months
Annual Fee $0

Rates and Fees

Terms, Rates & Fees

Intro APR 0% on purchases for 12 months
Purchase APR 14.74% - 20.74% Variable
Annual Fee $0
Welcome Offer N/A
Rewards Rate Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

Details

  • 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.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply

Nav's Verdict

Bottom Line Currently the only cash back business card offering 2% cash back with no annual fee.

Miles or points-based rewards card certainly have their perks, but sometimes earning and redeeming your rewards can get complicated. The American Express® Blue Business Cash Card offers a straight forward, cash back rewards program that leaves little work for you to do, aside from using the card.

With cash back on select spending categories, you can maximize your rewards just by making regular business purchases; plus, no annual fee and an introductory APR offer, you can enjoy cash back rewards without worrying about interest or for a full nine months.

However, it’s important to shop around before selecting a business credit card, and so it’s important to review and compare all of the American Express Business cards before applying.  In doing so, take note of welcome offers, rewards programs, and benefits, and determine which ones will work best when paired with your specific spending needs.

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 Card does not have an annual fee.

Beyond that, this card also can help you bring in some solid cash back rewards. Earn Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

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 Gold Delta SkyMiles® Business Credit Card from American Express, Platinum Delta SkyMiles® Business Credit Card from American Express, and the Delta Reserve for Business Credit Card card.

Does the American Express® Blue Business Cash Card offer flexible repayment options?

With the 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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About Author

Jennifer Lobb

Jennifer Lobb

Jennifer is a alum of the University of Denver. While in the graduate program there, she enjoyed spending time identifying ways in which non-profits and small businesses could develop into strong and profitable organizations that while promoting strong community growth. She also enjoys finding unique ways for freelancers and start-up businesses to reach and expand their goals.