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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4
$250
$0
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)
The American Express Blue Business Cash™ Card
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.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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.
Card Snapshot
Welcome Bonus & Info
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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%
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.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
You are a small business owner and want to have a simple cash-back earning strategy
You are a business owner who spends up to $50,000 on business purchases annually
You are a business owner who travels often
Don’t Get If
You are not a business owner
You are seeking a cash advance
You are seeking a place to move a balance transfer from another credit card
You spend a lot of money in the specific categories, such as wireless phone service, office supplies, and/or business travel
Spend more than $50,000 annually on business purchases
Amex Blue Business Cash Card — Is It Worth It?
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!
Amex Blue Business Cash Card Top Benefits
Add Employee Cards for No Additional Fee
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!
Purchase Protection
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.
Extended Warranty Protection
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.
Rental Car Insurance
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.
Best Way To Earn and Redeem Cash-Back Rewards
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 rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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 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.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
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.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage
Cons
No elite travel benefits like airport lounge access
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
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.
Frequently Asked Questions
Is the Amex Blue Business Cash card worth it?
With no annual fee and the ability to earn 2% cash-back on up to $50,000 in eligible purchase each calendar year, the cardcan 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.
What are the benefits of the Amex Blue Business Cash card?
There are 2 ways to earn cash-back benefits from the card. These include the following:
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year
1% cash-back on other purchases
What is the difference between the Amex Blue Business Cash card and the The Plum Card® from American Express?
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.
Is there an annual fee for the Amex Blue Business Cash card?
No, there is no annual fee for this card.
Is the Amex Blue Business Cash card hard to get?
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!
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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