AmEx Blue Business Cash Credit Card Review 2024

The AmEx Blue Business Cash Credit Card is a great option for small businesses and startups who want a simple card that offers flat cash back rewards and the ability to take advantage of the premium perks that come with reliable American Express credit cards. Just as with any business credit card, you’ll need to have business documentation on hand with information such as the name of your business and your EIN or SSN if you’re a sole proprietor. Furthermore, this card requires you to have good to excellent credit to have the highest chances of acceptance, with FICO scores ranging from 690 to 850. 

• Requires a credit score ranging between 690 to 850 (i.e., Good to Excellent) to open
• Need business documentation on hand to apply 

If you’re looking for a solid spending card for your company that gives you premium perks like purchase protection, rental car damage coverage, and a 2% cash back rewards rate, the AmEx Blue Business Cash Card won’t let you down. You won’t have to worry about paying an annual fee, and your business can take advantage of the 0% introductory APR period for the first 12 months of card ownership, giving you the ability to spend on your card and grow your business without having to worry about paying a single penny in interest.

• 0% introductory APR on all purchases made in the first 12 months of opening your card
• High rewards rate of up to 2% on eligible business purchases 
• No annual fees
• Flexibility to buy above your credit limit with the AmEx Expanded Buying Power feature
• Car rental insurance for damage and loss
• Extended warranty and purchase protection perks

• Balance transfers are not allowed
• Has foreign transaction fees
• Requires good to excellent credit to become eligible for this card
• Has an earnings cap on rewards up to $50,000 per calendar year

If you’re planning on using the AmEx Blue Business Cash Credit Card for managing your business cash flow and regulating expenses against accounts receivable and general income, you’ll be thrilled to hear that American Express offers new cardholders a 0% interest rate for the first 12 months. After the first year, you’ll find your interest rate going up to the 16.24% to 24.24% APR range based on your creditworthiness. 

There are no membership fees and no annual fees to hold the AmEx Blue Business Cash Card, and it features high rewards cash back rates with all of the premium features you would expect an excellent credit card to possess. If your business is seeking the perfect blend of rewards and benefits in your next credit card, it may be worth discussing if the Blue Business cashback card is right for you.

• 2% cash back on all eligible business purchases up to $50 per calendar year
• 1% cash back on all other purchases up to $50,000 per calendar year
• Expanded Buying Power to purchase above your credit limit
• Car rental loss and damage waiver insurance
• Global assist hotline access for urgent help when traveling
• Employee cards with expense management tools and spend tracking
• Extended warranty on purchased items for up to one additional year
• Purchase protection up to $1,000 per occurrence and $50,000 per calendar year
• Spend earned rewards points on travel or direct cash back to your card’s balance

• 16.24%–24.24% APR based on creditworthiness and other factors

• Foreign Transaction Fees: 2.7% for each transaction
• Late Payment Fees: Up to $39
• Returned Payment Fees: $39

The AmEx Blue Business Cash Credit Card doesn’t have any annual fees and comes with many benefits for cardholders. This card is considered to be one of the entry-level cards in the American Express ecosystem, with higher-tiered cards having much greater perks and benefits at the expense of large annual fees. For a small business or startup that needs an everyday card to make business transactions with, you can’t go wrong with the Blue Business Cash card, especially due to its high cash back rewards and 0% introductory APR period for a full year.

The AmEx Blue Business Cash Credit Card is a great option for entrepreneurs and small business owners who want a no-hassle business credit card for using on everyday transactions and managing their business expenses and cash flow. While it doesn’t quite measure up to the perks available on higher-end American Express business credit cards, it makes up for that with its 2% cash back on eligible business purchases and $0 annual fee. 

This is truly the “no thrills” card for businesses that want to focus on growing their companies, gradually building up their credit and creditworthiness, and dealing with obtaining higher-end cards later on in the process once they’ve increased their profitability and seen business growth.

The rewards and perks offered with this card are excellent compared to its annual fee. You’ll still have premium features like rental car damage and loss insurance, purchase protection, and even extended warranties on items you purchased with the card.

If your business is looking for the most practical card you can get while balancing fees and benefits, the AmEx Blue Business Cash Credit Card may be the perfect choice for you.