American Express Blue Business Cash Card Benefit Guide
American Express Blue Business Cash Card Benefit Guide
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The American Express Blue Business Cash™ Card is a solid introductory cash-back business credit card with some great bonuses, a $250 welcome bonus (available after spending $3,000 in the first three months), and no annual fee.

While the card doesn’t offer as wide a range of benefits as some of the more luxurious rewards cards, there are some useful perks associated with Amex Blue Business Cash, including expanded purchasing power, an introductory 0% APR, travel benefits, and spend management tools.

American Express Blue Business Cash Card Travel Benefits

Taxi Loss and Damage Insurance

The American Express Blue Business Cash Card comes with rental car loss and damage insurance. As long as you use your card to rent a car, this benefit allows you to avoid the rental car company’s insurance when you rent a car.

Global Helpline

Cardholders can call the American Express Global Helpline if you experience problems while traveling, such as B. Lost passport or illness. This hotline can help you connect with appropriate services, such as legal or medical referrals.

American Express Blue Business Cash Card Fee Management Tool

Connect to QuickBooks

For businesses that use QuickBooks for accounting purposes, you can connect your Amex Blue Business Cash Card to QuickBooks to categorize transactions accordingly.

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Pay suppliers through Bill.com

Cardholders can use their Amex Blue Business Cash Card to pay bills through Bill.com’s Vendor Pay. This can help businesses manage cash flow and earn bonuses while paying their day-to-day bills.

Additional staff card

Account holders can add additional employee cards to the account for free, making it easier for multiple employees to continue to be rewarded for all business expenses. You can also track employee spending and view summaries and reports.

American Express app

With the American Express mobile app, you can easily track your accounts, pay bills, check balances, and more.

Year-end summary

The card comes with a convenient year-end summary, allowing cardholders to review their spending behavior throughout the year. This can help cardholders better understand their spending and budget.

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Additional Benefits of the American Express Blue Business Cash Card

Cash back rewards

This flat-rate cash back card offers an impressive 2% cash back on the first $50,000 spent annually. 1% back on all other purchases after spending $50,000.

0% introductory APR

The American Express Blue Business Cash Card offers an introductory APR of 0% on purchases for the first 12 months, followed by variable APRs ranging from 13.99% to 21.99%. This gives business owners who need to make large purchases ample time to settle their balances before interest accrues.

$250 Welcome Bonus

While this card’s welcome bonus isn’t quite as generous as some other luxury rewards cards, it’s still a nice perk that new cardholders can qualify for with relative ease. To receive the $250 welcome bonus, cardholders must spend $3,000 in the first three months.

Expand purchasing power

A unique benefit of the Amex Blue Business Cash Card is the ability to use the Enhanced Purchasing Power feature. This allows cardholders to spend beyond their credit limit if necessary. While the amount you can exceed your credit limit isn’t unlimited, it still provides a good safety net for unexpected expenses or large purchases.

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Purchase protection

This card also comes with American Express Purchase Protection. They are protected against accidental damage or theft for up to 90 days as long as you use your card for insurance purchases.

Dispute Resolution

If your card is used for a fraudulent transaction, American Express will help resolve the issue and keep your account safe.

No annual fee

Unlike many other rewards credit cards, the Amex Blue Business Cash Card has no annual fee. This means that no matter how much or how much you spend on business expenses each year, this card is still an affordable option for your budget.

Maximize American Express Blue Business Cash Card

There are a few things new cardholders should do to maximize the benefits of this American Express business card. First, cardholders should make sure they spend at least $3,000 in their first three months to be eligible for the $250 welcome bonus. This card is also ideal for everyday purchases or expenses that may not fit into other spending categories.

Cardholders can also benefit from interest-free offers on new purchases. This card is a great option if you’re planning to make large purchases that will take time to repay, as it allows you to work toward paying off your balance over a 12-month interest-free period.

While the other perks of the American Express Blue Business Cash Card are fairly typical of mid-range premium credit cards, it’s still a good idea to double-check them for future use. For example, if you rent a car for business, you can take advantage of rental loss and damage insurance—and if you use QuickBooks for your accounting, you can take advantage of the card’s built-in integration.

Final result

The American Express Blue Business Cash Card offers a variety of benefits, including an impressive cash back rate, a welcome bonus, a lower entry APR, and other perks such as expanded purchasing power and integrations with popular business software.

For borrowers spending more than $50,000 a year, other American Express business credit cards with better rewards may be better options. Still, it’s a great option for small businesses looking for a simple, no-hassle, no-annual-fee cash-back credit card.

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