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.
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- Card Focus:
- Cell Phones / Landlines
- Gas (Driving)
- Office Supplies
- Select Computer Services
- Travel (General)
- Typical UsersBusiness Owners
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Added Benefits of the American Express® Blue Business Cash Card
In addition, if your business takes you on the road, the card can help you to make it worth your while. That’s because cardmembers get additional benefits such as:
- Car rental and damage insurance
- Baggage insurance
- Travel accident insurance
Cardmembers can shop with more confidence, too, thanks to additional benefits that can keep your purchases safe from theft, damage, and/or loss, such as:
- Purchase protection
- Extended warranty
- Dispute resolution
As a business owner, the card can provide you with additional tools for helping you to run your company quickly and more efficiently.
For example, with ReceiptMatch, you can manage your expenses as you go by adding receipts and corresponding notes to each purchase transaction.
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!
Card Drawbacks and Alternatives
The American Express® Blue Business Cash Card has some great earning potential, but there are some drawbacks.
The cash-back is only good on your first $50,000 spent, which means if you have a business that spends a lot on cards you will probably max that out and only earn 1% cash-back afterward.
A comparable competitor card is the Chase Ink Business Preferred℠ Credit Card. With this card, you can earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
A Ink Business Preferred℠ Credit Card also costs $95 per year, though there is also the Ink Cash® Business Credit Card that earns cash-back in specific categories with no annual fee.
One advantage of the Chase credit cards over the Amex business card is that the points can be transferred to Chase Ultimate Rewards partners and redeemed for much higher value.
Final Thoughts: A Summary of the Card
As a small business owner, it’s nice to not worry about categories. You simply earn 2% cash-back on ll eligible purchases up to $50,000 per calendar year, then 1% cash-back after that. This cash-back is automatically credited to your statement so it’s really simply to earn and use that cash-back.
In addition, this card also offers a number of other benefits via American Express, such as extended warranty, dispute resolution, and purchase protection on eligible items.
There are also multiple tools that can help you with controlling business expenses throughout the year, such as ReceiptMatch, account manager access, account alerts, and a year-end summary.
Great Card If
- 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 spends a lot on travel
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
- Annual Fee
- No annual fee
- Foreign Transaction Fees2.7% of each transaction after conversion to U.S. dollars
- Interest Rates
- 0% on purchases for 12 months
- 15.49% - 21.49% Variable
- Late fees
- 29.99% Variable
- Fee: Up to $38
- Balance Transfers
- 0% on balance transfers for 12 months
- 15.49% - 21.49% Variable
- Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance APR
- Additional Info
U.P. Pro Tips
The American Express® Blue Business Cash Card earns 2% cash-back on all eligible purchases on up to $50,000 per calendar year. After that, you earn 1% cash-back.
If you own an online business that advertises, such as ecommerce or any number of consulting or coaching businesses, this card’s 2% cash-back could really save you some money!
Best Way to Maximize Points
Getting cash-back on your American Express® Blue Business Cash Card is easy. That’s because cash-back is automatically credited to your statement.
Once you’ve made eligible purchases, the credit will automatically appear on your statement during the second billing period.
Throughout the calendar year, cardmembers can receive statement credits of 2% on the first $50,000 of eligible purchases (see rates & fees)
So, while you may have written out a check for these expenses in the past, using your card to pay the bill can be a great way for you to earn additional rewards in the future. In fact, doing so can really pay off!
After that, you will receive back 1% on all other eligible purchases. Be sure to use your card throughout the duration of the year, even if you’ve met the dollar limit for the 2%.
Best Way to Redeem Points
Although there are many ways you can benefit from the American Express® Blue Business Cash Card, the main thing that most business owners really want to know is how to earn cash-back.
Just like putting together a good, solid business plan, it’s important to have a strategy for using the card to get the most out your available rewards.
The good news is this can be fairly easy to accomplish!
Tip #1: By taking advantage of the 2% cash-back on all eligible purchases on up to $50,000 per calendar year, you can earn up to $1,000 in cash-back simply by putting your purchases on the card.
Tip #2: In order to truly maximize your cash-back opportunities, be sure to make all other purchases with your card as well. That’s because you can still get 1% cash-back on other purchases that are made with your card.
Tip #3: If you aren’t entirely convinced that the card is worth it, then try it out for free since there’s no annual fee!
The card comes with access to select hotels, airlines, car rental companies, and retail establishments.
Eligible purchases refer to the purchases of goods and services that you make with the card, minus returns and other credits.
The Gritty Details: Everything Else You Need to Know
Just as with any other financial transaction, it’s important to know exactly what you’re getting into before using a credit card – especially when you’re talking major purchases.
Here’s what you need to know about the American Express® Blue Business Cash Card:
When it comes to allocating your cash-back rewards, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year
After that, cash-back will go to 1% for the remainder of the year. There is no limit on the total amount of cash-back you can receive. With no annual fee on this card, the rewards are that much more enticing!
There is also the option of buying above your credit limit in order to make even larger purchases, and getting cash-back on those purchases as long as the balance is fully paid each month.
Additional Card Membership Benefits
As a card member, you’ll get some additional benefits, too.
Purchase protection – If an item you purchase with your card is broken or stolen, you may be covered through purchase protection for up to 90 days. As a business owner, this can be beneficial when buying items for your company or your clients.
Car rental loss and damage insurance – When you use your card to reserve and pay for an eligible rental vehicle and you decline the collision damage waiver, you can be covered if the car is stolen or damaged.
Baggage insurance – Few things are worse than having your luggage lost or stolen when you’re miles away from home! When using your card to reserve your airfare, you can be covered with baggage insurance for eligible damaged, lost, or stolen baggage – checked or carry on!
Global assist hotline – If you travel more than 100 miles from home, you have access to legal, medical, financial, and other emergency services via the global assist hotline. This can provide you with peace of mind in knowing that help is only a phone call away.
Roadside assistance hotline – A flat tire or dead car battery can certainly ruin a trip, whether you’re across the country or just across town. With the roadside assistance hotline, you can call in case of emergency for coordination and assistance service.
Travel accident insurance – Should the unthinkable occur, travel accident insurance can provide up to $100,000 in accidental death and dismemberment coverage while traveling on a common carrier when you’ve paid for your whole fare using your card.
Extended warranty – You can also worry less about your purchases since the original manufacturer’s warranty is lengthened by up to 1 additional year.
No overlimit fees – No overlimit fees, calls to make, or steps to take: this card gives you more options, and more cash-back.
Plus Even More Benefits From Amex
As an American Express business member, you’ll get even more benefits. These can be priceless for running your business and maintaining your financial well-being.
Benefits include convenient access to financial tracking and support services that can help you to manage your expenses, manage your spending, and even grow your business based on advice from leading industry experts.
For example, with ReceiptMatch, you can manage your card expenses by adding receipts, tags, and notes to your transactions through your mobile device(s) and/or your desktop computer.
Should there happen to be an incorrect or a fraudulent charge on your statement, American Express will work with you to resolve the issue.
To help you avoid late payments and monitor irregular activity on your card, you can set up account alerts. This can also be set up on employee cards to monitor spending.
Plus, the account manager feature allows you to assign someone else to handle tasks like reviewing statements, making payments, or even disputing fraudulent charges. This can free up your time for other activities.
Online statements lets you view your card statements from just about anywhere. You can also prepare reports to invoice clients, budget your expenses, and view your purchase history on your card.
If you’re a business owner who is on the go, you can easily pay bills, check your card balance, and do a plethora of other tasks – all from your smartphone or other mobile device.
American Express wants to ensure that you have the most up-to-date conveniences with your business card.
All this and more is included with your card. With no annual fee, it may be well worth it to give this card a try!
For rates and fees of the American Express® Blue Business Cash Card, click here.
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Is the American Express® 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 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.
What are the benefits of the American Express® Blue Business Cash Card?
There are 2 ways to earn cash-back benefits from the card. These include the following (Terms and Conditions Apply):
- 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 American Express® Blue Business Cash Card and The Plum Card® from American Express?
The Plum Card® from American Express 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 American Express® Blue Business Cash Card earns Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, 1% thereafter.
What is the APR on the American Express® Blue Business Cash Card?
Please refer to the rates & fees of this card for up-to-date APR information.
Is there an annual fee for the American Express® Blue Business Cash Card?
No, there is no annual membership fee for this card.
Is the American Express® 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!
What are the best small business cash back credit cards?
Depending on your business goals, you may want a good cash back credit card. Check out our article on best cash back credit cards for small business.
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