Edited by: Stella Shon
& Kellie Jez
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0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Good to Excellent (670-850)
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.
This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.
If you’re looking for an uncomplicated card that allows you to earn 2% cash-back on your purchases with no annual fee, then yes, the Amex Blue Business Cash card would be well worth it to you.
Plus, the card isn’t just about earning cash-back, it also offers benefits like rental car insurance, purchase protection, and extended warranty coverage.
With the account manager feature, you can assign a business partner or trusted employee to handle important tasks such as making payments and reviewing information. This can free up your time for doing other things.
You can also add more cards for your employees, which will also come with tools that integrate with your bookkeeping. This can make it easy and convenient to run the numbers!
With the Amex Blue Business Cash card, it is easy to empower your employees with their own company card, as you can add as many employee cards as you’d like for no additional fee (rates & fees). Plus, you’ll still earn cash-back for all of the purchases they make!
When you purchase an item with your card, you’re covered for up to 90 days towards accidental damage or theft. The coverage is limited up to $1,000 per occurrence, up to $50,000 per calendar year.
If you purchase any item with your card with a warranty of 5 years or less, your Amex Blue Business Plus card extends that coverage by 1 additional year.
Cardholders receive secondary coverage for damage to their rental car in covered territories when you pay for the rental car using your Amex Blue Business Cash card and decline the company rental car coverage.
The best way to earn as much cash-back as possible with your card is to use it for all of your business expenses. This will allow you to earn 2% back on every purchase up to $50,000 in spend, which would be $1,000 in cash-back, and 1% back on all purchases thereafter.
At the end of each billing period, the cash-back you’ve earned will be automatically credited to your account as a statement credit.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
A comparable competitor is the Ink Business Preferred card. With this card, you can earn 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year.
You’ll also earn 1x point per $1 on all other purchases — with no limit to the amount you can earn.
While you could redeem all of the points you earn as cash-back at a rate of 1 cent per point, the Ink Business Preferred card actually gives you significantly more redemption options.
Specifically, your points can be transferred to the Chase travel partners and redeemed for a much higher value.
We’ve also compared the Amex Blue Business Cash card to other popular cards:
For rates and fees of The American Express Blue Business Cash™ Card, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of The Plum Card® from American Express, click here.
With no annual fee and the ability to earn 2% cash-back on up to $50,000 in eligible purchase each calendar year, the card can be well worth it.
This card’s target audience is the small- or medium-sized business owner who spends on office supplies and wireless services.
There are 2 ways to earn cash-back benefits from the card. These include the following:
The Amex Plum card costs nothing the first year but costs $250 per year after that. Also, this card only earns 1.5% “cash-back,” which is actually an early payment discount.
The Amex Blue Business Cash card earns 2% cash-back on all eligible purchases on up to $50,000 per calendar year, the 1% thereafter.
No, there is no annual fee for this card.
Just like with most other cards, you will need to have good or even excellent credit in order to qualify for this card. The only way to really know if you qualify is to apply!