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Is the new American Express Blue Business Cash Card the best business cash back card?

Summary

The new no-annual-fee business card offers 2 percent cash back on your first $50,000 in purchases each year, a 0-percent introductory APR and cash flow solutions that can help your business grow.

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The American Express® Blue Business Cash Card was recently launched with outstanding rewards and financing features that make it — in our opinion — one of the best cash back cards for small business owners.

Cardholders earn 2 percent cash back with no annual fee, along with 0 percent intro APR on purchases and balance transfers for the first 12 months (14.99-20.99 percent variable thereafter) and other business-friendly benefits like Expanded Buying Power. That’s an offer no other top business card on the market can match, but does that mean the Blue Business Cash Card is the best credit card for your business?

The Blue Business Cash Card at a glance

The Blue Business Cash Card steps up the game by offering 2 percent cash back on up to $50,000 in purchases per calendar year—without charging an annual fee. That’s a better rate than you’d get with competing no-annual-fee cards like the Ink Business Unlimited℠ Credit Card and the Capital One® Spark® Cash Select for Business, both of which only offer 1.5 percent cash back. The Capital One® Spark® Cash for Business offers an unlimited 2 percent cash back, but charges a $95 annual fee (waived the first year). Unless you regularly make more than $50,000 in business purchases annually, the Blue Business Cash is a better choice for your bottom line.

Plus, your Blue Business Cash rewards are automatically applied to your account as a statement credit. If you’ve ever had to remind yourself to log in to your credit card account and redeem your rewards, you’ll appreciate this feature. Just use your card on everyday business purchases and the rewards will automatically appear as a statement credit on your account.

American Express® Blue Business Cash Card

Blue Business Cash Card

Why should you get this card?

As the only 2% cash back card with no annual fee, the Blue Business Cash Card is an excellent choice for small business owners who want to maximize their cash back rewards without paying for the privilege of carrying the card.

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Key features:

  • 2% cash back on up to $50K in purchases per calendar year
  • 1% cash back on all other purchases
  • 0% intro APR for 12 months on purchases and balance transfers (14.99-20.99% variable thereafter)
  • $0 annual fee

Comparing other top business cash back cards

The new Blue Business Cash is the only business credit card that offers 2 percent cash back without an annual fee — and it’s difficult to match the earning power of a 2 percent cash back card, especially if you run a business with a lot of expenses and overhead costs.

Although other business credit cards offer more than 2 percent cash back on certain types of spending, you have to spend a lot of money in those categories to match the cash back earning power you can get from the Blue Business Cash. If you put $50,000 annually on your Blue Business Cash, for example, you’d earn $1,000 cash back. That same $50,000 on the Ink Business Cash℠ Credit Card could theoretically earn you as much as $1,750, but that’s only if you spent $25,000 on internet, cable and phone services (which earn 5 percent cash back for up to $25,000 annually) and another $25,000 on gas stations and restaurants (which earn 2 percent cash back for up to $25,000 annually). For all other purchases, you’re only getting 1 percent cash back with the Ink Business Cash card.

Deciding which top business credit card is right for you comes down to running the numbers — and as a small business owner, you should be good at that! Take a look at our list of top business cash back cards with no annual fee and see which one most closely matches your business spending. In many cases, you’ll probably earn the most rewards from the Blue Business Cash.

Best business cash back cards

CardRewardsAnnual fee
Ink Business Unlimited℠ Credit Card
  • 1.5% cash back on every purchase
  • $500 bonus cash back after you spend $3,000 on purchases within 3 months from account opening
$0
Ink Business Cash℠ Credit Card
  • 5% cash back on internet, cable and phone services and at office supply stores (on the first $25K in purchases per year)
  • 2% cash back at gas stations and restaurants (on the first $25K in purchases per year)
  • 1% cash back on all other purchases
  • $500 bonus cash back after you spend $3,000 on purchases within 3 months from account opening
$0
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
  • 3% cash back in the category of your choice (on the first $50K in combined choice category/dining purchases each calendar year)
  • 2% cash back on dining (on the first $50K in combined choice category/dining purchases each calendar year)
  • 1% cash back on all other purchases
  • 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member
  • $300 statement credit after you spend $3,000 on purchases within 90 days of account opening
$0
Capital One® Spark® Cash for Business
  • 2% cash back on every purchase
  • $500 bonus cash back after you spend $4,500 on purchases within 3 months from account opening
$95, $0 first year
Capital One® Spark® Cash Select for Business
  • 1.5% cash back on every purchase
  • $200 bonus cash back after you spend $3,000 on purchases within 3 months from account opening
$0
Wells Fargo Business Platinum card
  • 1.5% cash back on all purchases or 1 point back on all purchases
  • 1,000 points or $10 cash back for any billing period in which total spend is $1,000 or more
  • 10% bonus points when you redeem online
  • $500 bonus cash back after you spend $5,000 on purchases within 3 months from account opening
$0

 

Other perks with the Blue Business Cash Card

The Blue Business Cash comes with multiple solutions to help freelancers and small business owners manage their cash flow. Cardholders get a 0 percent APR on purchases and balance transfers for the first 12 months (14.99-20.99 percent variable thereafter), giving them the option to invest in a business, carry a balance on the card and pay it off before the variable interest rate kicks in.

Cardholders also get access to the card’s Expanded Buying Power feature, which allows you to spend over your credit limit without penalty and earn rewards on that spending. In other words: If there’s a large purchase that will help you grow your business but will take you over your credit limit, don’t worry. The Blue Business Cash Card has you covered.

After six months of card ownership, you might become eligible for the Working Capital Terms program. Once enrolled, American Express will pay your vendors up front (at your request) and you’ll pay Amex back in 30, 60, or 90 days. This allows you to keep the bills paid even when you don’t have a lot of cash at hand — assuming, of course, that you’ll get the cash in time to repay Amex. There are a lot of ways that small businesses can use debt and cash flow management to their advantage, but make sure you don’t get your business into more debt than it can realistically pay off.

Final thoughts

If you’re looking for a no annual fee business credit card with high cash back rewards, the American Express Blue Business Cash Card is an excellent option. In fact, it’s arguably the best business cash back card out there — you’re unlikely to earn more with a competing business cash back card unless you have a high level of spending in a specific category such as travel or office supplies. The extra perks, such as automatic reward statement credits and Expanded Buying Power, only solidify this card’s appeal.

See relatedOptions for business cash back cardsSmall-business: Rewards debit cards vs. rewards credit cardsCash in on retail reward programs for your small business

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Credit Card Rate Report Updated: October 16th, 2019
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