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American Express Blue Business Cash™ Card

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The American Express Blue Business Cash Card offers 2% cash back on all purchases up to an annual cap of $50,000, after which it’ll drop to 1%. This card has no annual fee and provides basic benefits along with some nice perks for managing your business expenses.

The information related to American Express Blue Business Cash™ Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

American Express is a Credit Card Insider advertiser.

(Rates & Fees)

Our rating
Min. credit level: Good
Annual Fee: No annual fee
Regular APR: 13.24% - 19.24% Variable
Intro Purchase APR: 0% on purchases for 12 months from date of account opening

American Express Blue Business Cash™ Card

Our rating
Good Min. credit level
No annual fee Annual Fee
How To Apply Read our Review

Highlights & Features

(Rates & Fees)


  • 2% cash back for every purchase, up to $50,000 spent annually
  • 1% cash back for every purchase after that


Earn up to $300 in statement credits: Up to $100 each at Dell Technologies, DocuSign, and FedEx, for purchases made in the first 3 months

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 13.24% - 19.24% Variable
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR 29.24% Variable
Late Fee Up to $39
Returned Payment Fee $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee 2.7% of each transaction after conversion to US dollars.
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

American Express Business

American Express Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-519-6736 or

Try a different phone number
See all Issuer Cards

The Blue Business Cash Card from American Express is a simple and straightforward cash back card — no bonus categories to worry about, and no point redemptions to deal with.

You’ll get 2% cash back for every purchase up to $50,000 annually, and then you’ll get 1% back for every purchase after that.

Unlike most reward cards, the cash back you earn with the Blue Business Cash is automatically credited to your statement each billing period.

Cardholders get a 0% intro APR for 12 months from date of account opening for purchases, followed by a regular rate of 13.24% - 19.24% Variable.

There’s no annual fee to use this card (Rates & Fees).

Insider tip

This card is very much like The Blue Business® Plus Credit Card from American Express (Review), which offers Membership Rewards points rather than cash back.