American Express® Blue Business Cash Card Review

American Express® Blue Business Cash Card Review

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

The American Express Blue Business Cash™ Card is a strong option for small business owners who prefer cashback over rewards points. The card lets you Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. This offering is similar to The Blue Business® Plus Credit Card from American Express, which has the same earning structure but earns Membership Rewards instead of cashback.

American Express Blue Business Cash™ Card Review: Rewards for Moderate Business Spenders

With No annual fee (See Rates & Fees) and a competitive cashback rate, the American Express Blue Business Cash™ Card is a great credit card for small business owners. The card has a host of features that make it an attractive option: No annual fee and the ability to spend above your credit limit.

Strong rewards rate

The American Express Blue Business Cash™ Card has an excellent rewards rate: You can Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. This makes it competitive with top small business credit cards like the Capital One Spark Cash for Business and Ink Business Unlimited® Credit Card. Disappointingly, no welcome bonus is offered, but you'll get continuous value from this card when you use it for everyday business spending.

Spend above your credit limit

One of the biggest draws to the American Express Blue Business Cash™ Card is that it allows you to spend above your credit limit. Depending on your use of the card, your payment history, credit record, and financial resources known to American Express, you may be approved to make purchases that exceed your limit. For people with excellent credit, this can be extremely useful if you'd rather make a purchase with your credit than use your business' cash. However, it's important to note that we advise to always pay your bills in full and on time every month to avoid carrying a balance.

No annual fee, but a cap on cashback

Your main consideration before applying for the American Express Blue Business Cash™ Card should be your business' budget. While the American Express Blue Business Cash™ Card won't ding your wallet with an annual fee, you may be able to earn increased spending rewards with a different credit card. In some cases, it's worth paying an annual fee for the increased cashback opportunity.

For example, consider a card with a $95 annual fee that earns 2% cashback with no limit on rewards. After two years of spending $8,000 per month, you would earn $3,650 in cash back rewards minus the annual fees. The same spending with the American Express Blue Business Cash™ Card would net $2,920.

ValuePenguin's Verdict

Ultimately, the American Express Blue Business Cash™ Card is best for businesses who spend less than the $50,000 cap per year (roughly $4,000 per month). If your business is spending substantially more than $4,000 every month, you'll be better off with a business credit card that doesn't have a spending cap, like the Capital One Spark Cash for Business.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

Alternatives to the American Express Blue Business Cash™ Card

If the American Express Blue Business Cash™ Card doesn't check all your boxes, there are a few other cards we've highlighted below that may be better for your business' needs. For business owners with moderate expenses who prefer travel rewards over cashback, we suggest The Blue Business® Plus Credit Card from American Express. If your business has considerable travel expenses, go with the Ink Business Preferred℠ Credit Card.

2X points on up to $50,000 in purchases

The Blue Business® Plus Credit Card from American Express is almost identical to the American Express Blue Business Cash™ Card, but it earns American Express Membership Rewards points rather than cashback. If you like hunting for travel deals or redeeming credit card points for lavish vacations, then consider going with The Blue Business® Plus Credit Card from American Express. You'll Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

3X points on travel and select business categories

  • On Chase's Secure Website
{"align":"","buttonColor":"primary","buttonIcon":"lock","buttonText":"Apply Now","category":"creditcards","className":"AffiliateBanner--context-credit-card","context":" in context: Banner","cssNamespace":"AffiliateBanner","disclaimers":["On Chase's Secure Website"],"isButtonSquare":false,"imageURL":"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/2998.jpg","isUnavailable":false,"link":"\/credit-cards\/redirect\/1112?url=_american-express-blue-business-cash-card","name":"Ink Business Preferred℠ Credit Card"}

The Ink Business Preferred℠ Credit Card is a stellar credit card for businesses with high travel expenses. For a $95 annual fee, you'll Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. Plus, this card earns Chase Ultimate Rewards points, which can be transferred to a variety of travel partners or redeemed for travel directly on the Chase portal. If you're a heavy traveler and your business can justify the $95 annual fee, go with the Ink Business Preferred℠ Credit Card.

The information related to the Ink Business Preferred℠ Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Yowana is a former product analyst at ValuePenguin, specializing in credit cards, rewards programs and travel. He previously covered mortgages, banking and insurance for the website. Yowana graduated from Columbia University with a B.A. in Political Science.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

Featured Credit Cards