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.
Meet the minimum spend to earn the welcome bonus
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 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.
» Learn more: How to add money-saving AmEx Offers to your card
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.
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.
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 complimentary 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.
Complimentary 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.
To view rates and fees of the American Express Blue Business Cash™ Card, see this page.
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 2021, including those best for:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Bank of America® Travel Rewards credit card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card