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American Express® Blue Business Cash Card Review

American Express® Blue Business Cash Card Review

Great credit card for businesses with moderate annual expenses.
Editor's Rating: 4.5/5.0
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Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

4.5/5.0

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

The newly announced American Express® Blue Business Cash Card is a strong option for small business owners who prefer cashback over rewards points. The card earns 2% on all purchases — up to $50,000 each year — then 1% on all purchases for hitting the spending cap. This new 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

On American Express' Secure Website

American Express® Blue Business Cash Card

On American Express' Secure Website
  • 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, 15.24%, 18.24%, or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • 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, 15.24%, 18.24%, or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Annual Fee
No annual fee
Regular APR
15.24% - 21.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

With no annual fee (See Rates & Fees) and a competitive cashback rate of 2% on the first $50,000 in spending, 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: $0 annual fee, a 0% introductory APR on balance transfers and purchases for 12 months, and the ability to spend above your credit limit.

Strong rewards rate

The American Express® Blue Business Cash Card has an excellent ongoing rewards rate of 2% cashback on up to $50,000 in purchases. 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.

0% introductory APR

While this card doesn't offer a welcome bonus for opening an account, you'll benefit from 12 full months without any interest on purchases and balance transfers. This 12 month 0% APR introductory period on the American Express® Blue Business Cash Card isn't the longest available, but it's competitive with other cashback credit cards. If your business needs to make a large purchase that you don't want to pay off right away, then this credit card is a great choice.

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 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

On American Express' Secure Website

The Blue Business® Plus Credit Card from American Express

On American Express' Secure Website
  • Get rewarded for business as usual. 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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, 15.24%, 18.24% or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • Get rewarded for business as usual. 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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, 15.24%, 18.24% or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
Annual Fee
No annual fee
Regular APR
15.24% - 21.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The 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 The Blue Business® Plus Credit Card from American Express. You'll earn 2X Membership Rewards points per dollar on the first $50,000 in purchases each year, then 1X point per dollar.

For rates and fees of the 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

Ink Business Preferred℠ Credit Card

On Chase's Secure Website
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
Annual Fee
$95
Regular APR
17.99% - 22.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

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 3X points per dollar on travel expenses, select business spending categories and more. 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.

Comments and Questions

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).

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