American Express® Blue Business Cash Card


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Good Credit

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American Express is a Credit Card Insider advertiser

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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 for both purchases and balance transfers, followed by a regular rate of 15.24–21.24% Variable.

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

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.
Card Quick Facts

Card Quick Facts

  • 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
  • See Rates & Fees

For People with
Good Credit

Apply Now

American Express is a Credit Card Insider advertiser

(Rates & Fees)

REVIEWS

Reviews

Manage My Card

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Card Details

Rewards

Rewards

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

Card Stats

Annual Fee No annual fee
Additional Cards Annual Fee -
Regular Purchase APR 15.24–21.24% Variable
Intro Purchase APR 0% for 12 months
Foreign Transaction Fee 2.7%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months
Regular Balance Transfer APR 15.24–21.24% Variable
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Employee Cards

    No additional annual fee for employee cards. Every card can earn rewards. Up to 99 employee cards available.

  • Account Manager

    Ability to give other people permission to manage your account.

  • Spend Manager

    Use this feature to get a handle on your spending by adding receipts and notes, via desktop or mobile.

  • ReceiptMatch with QuickBooks®

    Track expenses with ReceiptMatch with QuickBooks®.

  • Account Alerts

    Get alerts about account information on your phone.

  • Relationship Care Service

    24/7 customer support by calling the number on your card. You’ll speak with a specially-trained business representative.

  • Expanded Buying Power

    Spend over your credit limit, with no penalty as long as you pay the minimum required payment each month. The amount you can spend over is not unlimited, it will adjust with your credit history and use of the card.

  • Reports to Business Credit Bureaus

    Amex business cards report positive activity to Small Business Financial Exchange. Negative activity is reported to Dun & Bradstreet, Experian, Equifax, and TransUnion.

  • Amex Offers

    Get significant discounts at a wide variety of retailers, both online and in-store.

  • Lowest Hotel Rates Guaranteed

    If you book an eligible prepaid hotel room through Amex Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference.

  • American Express Personal Loans

    Cardholders have the opportunity to apply for a loan through American Express (but only if they have been pre-approved).

  • Entertainment Access®

    Exclusive access to ticket pre-sales and card member-only events in your city.

  • Dispute Resolution

    Help dealing with fraudulent and incorrect transactions.

  • Extended Warranty

    For warranties of five years or less, get up to one extra year added to the original manufacturer’s warranty.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Global Assist® Hotline

    When you travel 100 miles or more from home, provides help with travel accidents like lost passports, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Car Rental Loss and Damage Insurance

    Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver.

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