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American Express® Blue Business Cash Card can help with planning for growth, expansion and the unexpected

The new small business credit card offers a low intro APR¤ and unique financing tool

Summary

If you are considering adding a business card to your rotation as a way to manage cash flow and grow your small business, the recently launched American Express® Blue Business Cash Card has plenty of great tools to do so.

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Business credit cards are great tools for small business owners, offering rewards on the purchases you make every day. Plus, they offer some wiggle room if you ever need to make a large purchase with more time to pay it down.

If you are considering adding a business card to your rotation as a way to manage cash flow and grow your small business, the recently launched American Express® Blue Business Cash Card is a great option.

See Related: Funding a small business with credit cards

In addition to a top-notch rewards rate, the card comes with several unique features that are designed to help small business owners. With a 12-month intro APR (15.24 – 21.24 percent variable APR thereafter) on eligible purchases and balance transfers¤ and the ability to spend over your credit limit* (known as Expanded Buying Power) ‡, the new card offers plenty of tools for business owners to finance purchases.

*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.

American Express Blue Business Cash Card: At a glance

American Express® Blue Business Cash Card

American Express Blue Business Cash Card

Why get this card?

The Blue Business Cash Card offers a 2% cash back rate (Terms Apply) with no annual fee, on top of great perks for small business owners.

Read full review

More things to know:

  • 2% cash back in the form of a statement credit on up to $50,000 in eligible purchases per calendar year, then 1% cash back thereafter‡
  • No annual fee
  • 0% intro APR on eligible purchases and balance transfers for first 12 months (15.24-21.24% variable APR thereafter)
  • Rates & Fees

 

Introductory APR

One notable feature on the Blue Business Cash Card is the introductory APR on both eligible purchases and balance transfers. New card members get a 0 percent intro APR for 12 months, after that the APR will be 15.24  to 21.24 percent variable. (See rates and fees.)

So why is this a plus for your business? The introductory APR provides a great way for business owners to grow their business by making larger purchases and paying them down over time without worrying about racking up interest charges. Not only does this help you finance larger transactions, but it can help free up your budget to use toward more immediate needs.

See Related: 8 expenses you should never charge on a business credit card

Spend over your credit limit

Unexpected costs come up in a small business. Maybe you need to replace broken equipment or just take advantage of a great discount from a vendor. In cases like these, the Blue Business Cash Card’s Expanded Buying Power feature provides the flexibility to spend above your designated credit limit. You can continue to put purchases on your card even if you’ve met your limit, with no over-limit fee, ¤ and earn cash back from those purchases. (Terms Apply).

These transactions are approved on a case-by-case basis, but if you’ve demonstrated a positive payment history with American Express, as one example, you are more likely to be approved because of the Expanded Buying Power feature, which is automatically built into your card. By using the American Express Check Spending Power feature, which is available to card members by logging into your online account, you can find out whether your over-limit purchase(s) will be approved.

Just keep in mind that you can only carry a balance up to your credit limit month to month. That means if you have spent more than your credit line in any particular billing period, the amount you have spent will be factored into your minimum payment.

Other great perks for small business owners

A lengthy intro APR and the ability to spend over your credit limit both add incredible flexibility when it comes to growing your small business – but the Blue Business Cash Card doesn’t stop there. American Express also provides a suite of tools on small business cards designed to help you keep your budget and spending on track.

While you use the Blue Business Cash Card’s tools to finance larger purchases, you can keep track of your transactions using Spend Manager℠‡, a mobile tool that lets you compile your business receipts and add notes to your purchases. Card members can also set spend limits‡ and purchase alerts on employee cards, for increased visibility into your overall spending.

When you combine easy-to-use tracking tools with flexible payment options, the Blue Business Cash Card can be a great tool to help run and grow your business.

Bottom line

If you’re looking for a business card that will help you finance your business expenses, the Blue Business Cash Card is loaded with perks. Plus, you’ll earn 2 percent cash back on the first $50,000 in eligible purchases you make every calendar year (1 percent thereafter) in the form of a statement credit. Best of all, all of these benefits come with no annual fee. ¤

¤ Rates & Fees I ‡ Benefits

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Credit Card Rate Report Updated: September 11th, 2019
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15.45%
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