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The credit card rewards market can seem oversaturated with offers for both consumers and business owners. You’ve got airline miles, hotel points and bank rewards to think about. It can get overwhelming to sort the many bonus categories and various earning rates.
Whatever happened to good ol’ cash back? Is it still possible to earn cash rewards on every purchase without having to worry about maximizing one or two spending categories?
To a business, cash is king — and with the American Express Blue Business Cash™ Card, small-business owners can offset the cost of running a business with cash back. Here are some of the top reasons we love the American Express Blue Business Cash™ Card.
Flat rewards earning rate on all purchases
One of the most attractive features of the American Express Blue Business Cash™ Card is the ability to earn a flat 2% cash back on eligible purchases in any spending category. Buying supplies or equipment? Paying utility bills? Purchasing advertising spots? You’ll earn 2 cents back for every dollar spent.
The caveat is the earning rate of 2% cash back drops off once you spend $50,000 in a calendar year ($1,000 cash back). After that, all purchases earn 1% back. This card would work for small businesses that don’t go over that spending threshold annually. Terms apply.
» Learn more: Best cash back credit cards
Increase spending limits with no penalty
The American Express Blue Business Cash™ Card offers a feature called Expanded Buying Power. This option lets you increase your spending capacities over your credit limit without having to pay a penalty for overextending the credit line.
Keep in mind that the amount you can overspend isn’t infinite; it’s based on your spending patterns, payment history and overall financial standing. Terms apply.
Employee cards cost $0
As a business owner, you can get up to 99 additional cards for employees at no extra cost. Terms apply. Allowing employees to use their corporate card means you don’t have to worry about reimbursing business expenses later. This eliminates quite a bit of paperwork from your already busy days.
Additionally, the rewards earned with employee cards get pooled into your single account to ensure that every cash-back cent goes back into the business.
The American Express Business App
To make your accountant’s life easier, you can store business receipts in the American Express Business App for up to seven years (or until the day you close your AmEx card). Terms apply. It's possible to create expense reports, track your spending and streamline the whole process right from the app.
At the end of each calendar year, you can view a summary of all charges made and their merchant categories. The report makes it easy to see your yearly spending by month and purchase type to help you know where you spend the most money.
Save money with AmEx Offers
Another feature available to American Express cardholders is AmEx Offers. Hundreds of rotating deals can save you money when shopping with partner merchants. Scroll through the list of available offers, add them to your American Express Blue Business Cash™ Card and get discounts whenever you use the enrolled card to pay. In some cases, you get a set cash amount back in the form of a statement credit, and in other cases, you get back a percentage of the total amount spent. Terms apply.
Make sure to read over the terms carefully. In many situations, you must spend a specific sum of money to receive the discount. Still, if you shop at the partner stores anyway, why not save a few bucks by enrolling your card in AmEx Offers?
» Learn more: How to add money-saving travel offers to your AmEx card
$0 annual fee
There’s no need to worry about offsetting the cost of keeping the card because the benefits come at no cost to you. The card charges no membership fees and lets you start earning rewards from the get-go. Terms apply.
The bottom line
Whether it’s the simplicity of 2% cash back (on all eligible purchases on up to $50,000 per calendar year, then 1% on additional purchases), flexible limits, easy-to-use employee cards or AmEx offers, there is a lot to like about the American Express Blue Business Cash™ Card. 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