How to Maximize the AmEx Blue Business Cash Card

To get the most out of this card, your business spending should almost hit the limit for earning rewards.

Eric RosenbergOctober 19, 2020
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How to Get the Most Out of the American Express Blue Business Cash Card

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The American Express Blue Business Cash™ Card is a $0-annual-fee card that offers up to 2% cash back. For a business rewards card with no annual fee, it offers a good combination of rewards and benefits. If you have the American Express Blue Business Cash™ Card or are considering it for your business, follow these strategies to get the best value from the card’s benefits. Terms apply.

Hit the sweet spot for cash-back earnings

The American Express Blue Business Cash™ Card features 2% cash back on all purchases up to $50,000 per year. There are no rotating categories or bonus categories to worry about. Terms apply.

Businesses that spend close to but not more than $50,000 will get the best value here. That’s because when you go over $50,000 in the year, your cash-back rate drops to 1%. Terms apply. If you expect to spend more than that, consider a card with a higher rewards rate. A card that pays a higher cash-back rate might require an annual fee, but if you charge more than $50,000 a year, your earnings will likely offset the fee.

Putting $50,000 in annual purchases on this card will yield $1,000 in cash back. You may be able to earn a little more if you take advantage of AmEx Offers — custom deals for card users, offering cash back or discounts on a rotating collection of select merchants. Terms apply.

Take advantage of travel insurance and purchase protection

The American Express Blue Business Cash™ Card includes useful travel insurance and purchase protection features. Here’s how to get the most out of those benefits.

Travel benefits

Rental car insurance: If you or your employees ever have to travel for your business and rent a car, you’ll want car rental insurance from a credit card. The American Express Blue Business Cash™ Card includes the car rental loss and damage insurance benefit, which allows you to skip the roughly $10- to $20-per-day insurance offered at the car rental company counter. Terms apply.

If you use this benefit for 10 rental days per year and save an average of $15 per day, you’ll get $150 in value from this insurance benefit.

Purchase benefits

Extended warranty: Get up to one additional year added to manufacturer warranties when you purchase the item with this card. This benefit applies to eligible warranties of up to five years. The extended warranties cover up to $10,000 per purchase and $50,000 per year. Terms apply.

Purchase protection: Purchase protection will replace or repair items if they are stolen or accidentally damaged within 90 days of purchase. This benefit is worth up to $1,000 per purchase and $50,000 per calendar year. If damage is due to a natural disaster, the limit is $500 per event. Terms apply.

Spend $100 each with FedEx, Dell and DocuSign

You can earn $300 back pretty fast on this card if you need to make purchases with FedEx, Dell Technologies and DocuSign. The American Express Blue Business Cash™ Card will give you up to $100 back for charges made with each of these merchants, up to $300 total. Terms apply.

Get no-fee employee cards and useful spending tools

Whether you run a business on your own or manage a growing team, the American Express Blue Business Cash™ Card offers some useful tools to help you manage cards, spending, bills and payments. Here are the business tools you should maximize to get the most out of this card. Terms apply.

  • No-fee employee cards: Employee cards are available with no added fees. You can manage spending limits and set up alerts for employee cards to stay on top of what they spend on the business’s behalf.

  • Year-end summary: While savvy businesses keep their accounting records updated throughout the year, the year-end summary gives a helpful breakdown of purchases made with the card over a calendar year.

  • Vendor payments: Through a partnership with Bill.com, you can pay vendors using this card, earning card perks on vendor costs. Some Bill.com fees may apply.

You can manage your card account either on the American Express website or with the handy AmEx mobile app. Both give you the ability to view charges and balances, make payments and make basic updates to your account.

Pay no interest for the first year

While it’s a good idea to pay off your card in full every month, American Express Blue Business Cash™ Card gives you 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24% - 19.24% Variable APR. Terms apply.

With no preset spending limit on this card, you can buy inventory or equipment for your business to get up and running without worrying about interest for quite a while.

The bottom line

Businesses that spend up to $50,000 per year and prefer cash-back rewards with a $0 annual fee can get a lot of value out of the American Express Blue Business Cash™ Card. Get the most value out of 2% cash back by charging up to $50,000 per year, and take full advantage of the travel protections and benefits for business, like the year-end summary, free cards for employees and vendor pay options. Terms apply.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2020, including those best for:

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