The American Express Blue Business Cash™ Card
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Credit Score
Intro Offer
$250
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual Fee
No annual fee
Rewards Rate
Up to 2%
Foreign Fee
2.7% of each transaction after conversion to US dollars.
Purchase APR
0%
Balance Transfer APR
N/A
Regular APR
16.74% - 28.49% Variable
Editor's Take
CardCompareHub editorialEditorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by American Express Business.
Blue Business Cash from Amex is a no-fee business cash-back card: an elevated rate on the first chunk of annual purchases up to a cap, dropping to the baseline above the cap. Welcome statement credit, intro APR on purchases.
The bonus rate up to the annual cap is best-in-class for a no-fee business card. The cap is the binding constraint — businesses spending more than that on a single card will earn the baseline above the cap, which is when the unlimited-flat-rate Spark Cash Plus becomes worth considering. For smaller businesses, this card is the right answer: better effective rate than the flat-rate competitors below the cap, no fee, automatic credit application of rewards to the statement.
Card Details
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. 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*.
- *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee. Terms Apply. Learn More.
The American Express Blue Business Cash™ Card
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