The bottom line: Big spenders or those who spend heavily in specific areas can get more value out of other cards, but this is a solid pick for business owners seeking simplicity.
Quick FactsView rates and fees
- Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. 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.
Pros & Cons
High rewards rate
No annual fee
Annual spending cap
Alternate Pick: For Membership Rewards
The Blue Business® Plus Credit Card from American Express
Get points rather than cash
This card is a near twin of the American Express Blue Business Cash™ Card except that you earn American Express Membership Rewards points rather than cash back. Specifically, you get 2 points per dollar spent on the first $50,000 in purchases each calendar year, and 1 point per dollar after that. Terms apply.
The American Express Blue Business Cash™ Card is one of the few small-business credit cards that offers 2% cash back without charging an annual fee. Terms apply.
That makes it a great deal for entrepreneurs looking to earn a high flat rate on everyday spending without having to keep track of bonus categories. The card’s 0% intro APR offer on purchases is also useful for those looking to finance upfront expenses.
But if you're a bigger-spending business owner or you have predictable monthly expenses that fall neatly into specific categories, you can find more lucrative cards. And if it's travel rewards you want, you'll need to look elsewhere.
Nerd tip: This card has a nearly identical twin: The Blue Business® Plus Credit Card from American Express. The difference is that this twin earns Membership Rewards points, rather than cash back.
American Express Blue Business Cash™ Card: Key features
Card type: Small business.
Annual fee: $0.
Welcome offer: Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership. Terms Apply.
Rewards: Earn 2% cash back on eligible purchases on up to $50,000 per calendar year, then 1%. Terms apply. Cash back is automatically credited to your statement.
APR: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24% - 19.24% Variable APR.
Foreign transaction fee: 2.7%.
Get more flexibility with the ability to spend a limited amount above your credit limit.
Give a trusted individual access to manage your card account when you're unavailable by designating an account manager.
Get car rental loss and damage insurance if your eligible rental is damaged or stolen and you use the American Express Blue Business Cash™ Card to reserve and pay for the vehicle and decline the collision damage waiver at the rental counter.
Benefits of the American Express Blue Business Cash™ Card
solid, Straightforward rewards
There's no need to track categories or juggle multiple cards. Everything you buy with the American Express Blue Business Cash™ Card will net you 2% cash back until you hit that $50,000 annual spending cap. Then, you'll earn an unlimited 1% cash back on spending. Terms apply. If you max out the spending cap, you'll net a whopping $1,000 back. This is impressive, especially since the annual fee is $0.
Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership. Terms Apply.
Credit limit flexibility
If your spending level varies significantly from month to month or you have a period of purchasing in which you need some wiggle room, the American Express Blue Business Cash™ Card might be able to help. According to the card's terms, your spending capacity can adjust based on factors including your payment history, credit history and other financial factors.
0% intro APR offer
Few small-business cards offer a lengthy 0% introductory APR period. The American Express Blue Business Cash™ Card is an exception. You'll get an intro 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24% - 19.24% Variable APR. This can buy you time to pay down a big purchase.
This may count as a drawback for those who want to save up their rewards for specific redemptions. But for time-strapped business owners, there's no need to wait until you've accumulated a certain amount, no remembering to log in to get your rewards. This card takes care of that for you. As long as your account is in good standing, you'll get an automatic statement credit for your rewards without any effort on your end.
No annual fee
For budget-conscious small business owners, avoiding an annual fee is a plus, especially if your spending doesn't justify the rewards that can come from cards that charge annual fees.
Why you might want another card
Annual spending cap
If your annual expenses don't even come close to that $50,000 limit before the rewards rate drops to 1%, no matter. But businesses that spend much more than that each year would be better off with a card that offers unlimited bonus rewards. One pick? The Capital One® Spark® Cash for Business. It earns 2% cash back on every purchase without any limit. There's an annual fee, though.
Foreign transaction fee and no travel rewards
If you are a frequent overseas traveler, then you will want to use a card that doesn't charge a foreign transaction fee, as this one does. Similarly, the card offers no travel-specific rewards or bonus categories, which can also be a downside for frequent travelers.
no traditional welcome offer
The American Express Blue Business Cash™ Card doesn't provide the type of welcome offer you may be accustomed to from other rewards cards. If you want big upfront rewards for your business spending, the Ink Business Preferred® Credit Card delivers the goods with one of the richest potential bonuses around. It also earns 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year and an unlimited 1 point per $1 on all other purchases. Points are worth 25% more when you redeem for travel through Chase.
The American Express Blue Business Cash™ Card vs. The Blue Business® Plus Credit Card from American Express
These two cards are identical in every way except for one crucial detail: the kind of rewards they earn.
If you're looking for straight-cash back and you're OK with it as a statement credit, the American Express Blue Business Cash™ Card is the clear winner for its simple rewards structure and automatic redemptions. Earning 2% cash back on the card on up to $50,000 annually means you'll earn 2 cents for every dollar spent. Even when you hit that spending cap and the earning rate drops to 1% cash back, that's still worth 1 cent for every dollar.
With The Blue Business® Plus Credit Card from American Express, depending on how you redeem your Membership Rewards points, you can typically get a value between half a cent to one cent per point (and potentially higher for some travel-related redemptions). Redeeming Membership Rewards points for a statement credit is an option, but points are worth only 0.6 cents each when redeemed this way.
Gift cards and merchandise are also options for using your points stash, but their value also tends to be less than a penny per point.
Why you might want the American Express Blue Business Cash™ Card
If your business expenses are varied and less than $50,000 a year, the American Express Blue Business Cash™ Card is a straightforward way to earn solid cash back. The card earns an easy-to-understand flat rate on all purchases, and it does the redemption work for you.
Someone who spends heavily in specific categories, like gas or office supplies, may find more benefit from a card that offers elevated earnings in those areas. Or someone who wants greater flexibility with their rewards might find that a card with multiple redemption options is a better fit.
To view rates and fees of the American Express Blue Business Cash™ Card, please visit this page.
To view rates and fees of The Blue Business® Plus Credit Card from American Express, please visit this page.
on American Express's website
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.