BACK

mavo / Shutterstock.com

Products

American Express Blue Business Cash Card offers competitive rewards for no annual fee

The card combines a competitive rewards rate with perks for small business owners

Summary

The new Blue Business Cash Card from American Express comes with a top-notch rewards rate and perks for small business owners.

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Please see the bank’s website for the most current version of card offers; and please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

On July 18, 2019, American Express announced a new competitor in the business card space – the American Express® Blue Business Cash Card. The new card comes with no annual fee and is boasting a generous rewards rate and top-notch features for small business owners:

2 percent cash back on the first $50,000 in purchases per year

Blue Business Cash cardholders can enjoy a generous 2 percent cash back on the first $50,000 in purchases every year and 1 percent on all purchases thereafter. This is an incredibly high rewards rate for a card with no annual fee.

Spend over your credit limit

A huge perk for business owners, the Blue Business Cash card allows users to spend over their allotted credit line – and still earn rewards on those purchases. You’ll just be required to pay off any excess spending along with your minimum payment at the end of the billing cycle.

Qualify for working capital terms

After six months of card ownership, Blue Business Cash cardholders might be eligible to enroll in American Express Working Capital Terms. This program allows you to request that Amex pay your vendors up front, and you can pay the cost back in 30, 60 or 90 days.

Lengthy intro APR

The Blue Business Cash offers one of the best introductory APRs you can find on a business card – 0 percent on both new purchases and balance transfers for the first 12 months (14.99 to 20.99 percent variable APR thereafter). This benefit is particularly valuable for small business owners who need to finance a larger purchase over time without racking up interest.

With unique features designed with small business owners in mind, the Blue Business Cash Card is sure to be a competitive option among no-annual-fee business cards. Cardholders can earn a high rate of cash back without sacrificing business perks.

American Express® Blue Business Cash Card

Blue Business Cash Card

Why should you get this card?  

The American Express Blue Business Cash Card offers a high rate of cash back for a card with no annual fee, on top of benefits for small business owners.

Read full review

Other things to know

  • 2% cash back on up to $50,000 in purchases per year, then 1%
  • 0% APR on new purchases and balance transfers for first 12 months (14.99 – 20.99% variable thereafter)
  • Free employee cards
  • Business expense-tracking tools

Not the first Amex card with this rewards structure

With its high rewards rate, the Blue Business Cash Card closely mirrors another American Express offering – the Blue Business® Plus Credit Card from American Express. Rather than cash back, the Blue Business Plus Card offers 2 points per dollar on up to $50,000 in purchases per year, then 1 point per dollar.

Since the two cards now offer similar rewards rates, small business owners looking for an American Express card will have to carefully decide if points or cash back better suit their spending habits. While frequent travelers might be able to stretch the value of Membership Rewards with the Blue Business Plus, business owners looking for more flexibility can enjoy the same rewards rate on the Blue Business Cash.

Should you apply for the Blue Business Cash Card now?

The Blue Business Cash Card is a great choice for cash back enthusiasts who don’t want to pay an annual fee, as it offers a very generous rewards rate. Plus, a lengthy intro APR, the ability to spend over your credit limit and American Express Working Capital Terms are all perks for small business owners, as they provide you more flexibility when making large business purchases.

What’s up next?

In Products

Guide to Bank of America Preferred Rewards

Bank of America Preferred Rewards comes with many perks, and it is particularly valuable for customers who also have a Bank of America rewards credit card – as they can boost their earning potential.

Published: July 18, 2019

See more stories
Credit Card Rate Report Updated: October 16th, 2019
Business
15.18%
Airline
17.11%
Cash Back
17.25%
Reward
17.13%
Student
17.29%

Questions or comments?

Contact us

Editorial corrections policies

Learn more

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

The editorial content on CreditCards.com is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.