American Express® Blue Business Cash Card review: Simple cash back rewards

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In a Nutshell

The American Express® Blue Business Cash Card offers simple rewards that make earning and redeeming cash back easy for business owners. But there’s a cap on the cash back bonus rewards rate, so you might get more value from a different card if you spend a lot on purchases each year.

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These offers are no longer available on our site: Ink Business Preferred® Credit Card, Capital One® Spark® Cash Select for Business

Pros Cons
Straightforward cash back program Cap on bonus cash back
Introductory purchase and balance transfer APR offers can help with your budget There’s no welcome bonus
Ability to add authorized users that earn rewards for free
No annual fee

What you need to know about the American Express® Blue Business Cash Card

The American Express® Blue Business Cash Card is good for busy business owners who want a card that offers a simple rewards system, such as cash back rewards that are easy to earn and redeem.

Earn 2% cash back on eligible purchases

With the American Express® Blue Business Cash Card, there are no cash back categories to keep track of or reward expiration dates to watch out for. You’ll earn 2% cash back on eligible purchases, up to $50,000 annually. After you reach the $50,000 cap, you’ll earn 1% cash back on all eligible purchases. This cash back is automatically credited to your account each month as a statement credit.

That’s a good rewards rate for a card without an annual fee. But, because the 2% cash back rate only applies to the first $50,000 in eligible purchases, big spenders may be missing out on the opportunity to earn additional rewards.

Intro 0% APR on purchases and balance transfers

If you want to finance big purchases, this card offers an introductory 0% APR on purchases and balance transfers for the first 12 months from account opening. Balance transfers must be completed within 60 days of account opening, and they carry a fee of 3% (minimum $5), whichever is greater. Once the intro balance transfer and purchase APR period is over, you’re looking at a variable APR of 13.24% - 19.24% for each, depending on your credit history.

The intro 0% purchase APR offer could help fund big purchases for your business while delaying or eliminating the need to pay interest. (Just make sure to pay off the balance in full and on time before the introductory period is up.) Plus, you’ll earn cash back on purchases you make during the intro 0% purchase APR period. We think that makes this card a win-win.

But if you’re considering the American Express® Blue Business Cash Card for a balance transfer, we recommend paying off your balance transfer as soon as you can before adding any more purchases and debt to your load.

Expanded buying power

If you need to make purchases that are above your credit limit, you may be in luck. The American Express® Blue Business Cash Card offers an Expanded Buying Power feature, which allows you to make purchases above your credit limit if you qualify for it.

The amount you can spend above your credit limit isn’t unlimited, though. It adjusts based on factors like your card use history, credit record, payment history and financial resources. So spend wisely — the amount you spend over your credit limit is due in full each month, along with your minimum payment.

Employee cards for no additional charge

Have employees who also need business credit cards? The American Express® Blue Business Cash Card lets you add employee cards for no fee, and you’ll earn cash back on the purchases they make.

What else you need to know

The American Express® Blue Business Cash Card comes with other membership rewards created with the small-business owner in mind.

  • There’s no annual fee, so you won’t need to worry whether you’re earning enough rewards to justify the cost of having the card.
  • Keep your books in order by connecting your card to your QuickBooks account or designating an account manager, like an assistant or business partner, to manage your business card account.

Who this card is good for

The American Express® Blue Business Cash Card is good for the business owner who wants a simple cash back reward system. With cash back automatically credited to your account each month as a statement credit, there’s no need to worry about redeeming cash back. This is also a great card if you need to finance any large upcoming purchases since the card may allow you to exceed your credit limit through its Expanded Buying Power option.

But if you spend more than $50,000 per year, there are other cards that have reward offers that can add up to more. You may also want to steer clear of this card if you prefer earning other rewards, like travel, and allowing your rewards to accrue over time rather than getting a monthly statement credit.

Not sure this is the card for you? Consider these alternatives.

It’s a good idea to shop around before making a decision about a credit card. Here are some other options to consider.

  • Ink Business Preferred® Credit Card: If you spend a lot with your card annually and want flexibility with your rewards, consider this card.
  • The Business Platinum Card® from American Express: Spend a lot of time on the road? This card is worth looking into for its travel perks.
  • Capital One® Spark® Cash Select for Business: This could be the card for you if you’re a big spender but still want a simple cash back structure.