The American Express Blue Business Cash™ Card is a reliable cash-back calling card with great rewards and no annual fee. While high consumers may be better served with a card that rewards certain categories of consumers, for many potential cardholders, the card’s 2% cash back rate is hard to beat — this Especially useful for small businesses and entrepreneurs who may not have a lot of expenses per month.
This American Express business card also offers a $250 welcome bonus after your first three months of purchases of $3,000 (as a statement credit), as well as handy extras like expanded purchasing power and expense management tools.
When is the American Express Blue Business Cash Card worth it?
There are several situations where the American Express Blue Business Cash Card might be worth it. While this card isn’t for everyone, it’s a great entry card for business owners who want to earn decent rewards without paying a hefty annual fee.
You are looking for a free card
Unlike many other lucrative rewards credit cards, the Amex Blue Business Cash Card has no annual fee. This means that as long as you pay your balance monthly (no matter how much or how much you spend), you can still make money with this card. This makes them ideal for business owners who may not have enough monthly fees to justify another card’s high annual fee.
You are looking for a simple cashback card
The American Express Blue Business Cash Card has no complicated reward or spend categories—instead, you get a flat 2% cash back on all purchases (up to $50,000 per year spent). After $50,000, all purchases will receive a 1% return. This makes the card a great option for business owners who don’t want to worry too much about maximizing their rewards by spending across categories, but prefer to take a “set it and forget it” approach to rewarding business fees.
Your annual expenses are moderate
This card might not be the best option for big spenders, but it’s a great option for small businesses and startups that may not have big monthly spending yet. Specifically, if your annual spending is less than $50,000, you’ll get a flat 2% cash back on all purchases. Since the card doesn’t have an annual fee, it also means it’s a convenient way to earn a little extra money from your purchases each month without worrying about earning a hefty annual fee.
You want to take advantage of the lower introductory APR when purchasing
If your business has large purchases, the Amex Blue Business Cash Card may be a good choice. This card has an initial 0% APR on purchases for the first 12 months, followed by a variable APR that ranges from 13.99% to 21.99%. While certainly not as long as the introductory APR period offered by other cards, it still gives business owners some time to pay off large purchases without interest.
When is the Amex Blue Business Cash Card worthless?
While this business credit card offers many benefits, it may not be suitable for all cardholders. In particular, businesses with larger monthly expenses may opt for more lucrative options. Business owners should also consider cards that reward certain categories of spending, such as office expenses, that may give them more returns than flat-rate cards.
You have a lot of monthly expenses
If you run a sizable business with significant monthly expenses, you might be able to use another card to earn even more rewards. Since the card’s 2% cash back rate only applies to the first $50,000 in purchases, if you spend more than $50,000 a year on your credit card for your business, you should consider other options. For example, the Business Platinum Card® from American Express rewards 1.5x points for purchases in business-related categories (up to $2,000,000 per calendar year per year).
You have a lot of expenses in a category
You are looking for a generous welcome bonus
The Amex Blue Business Cash Card offers a $250 welcome bonus if you spend $3,000 in the first three months, but there are many other business credit cards with no annual fee that offer higher welcome bonuses. For example, if you spend $7,500 in the first three months, the Ink Business Unlimited® Credit Card will receive a $750 bonus.
Should you get the American Express Blue Business Cash Card?
Whether you should get the Amex Blue Business Cash Card depends on your specific circumstances, including the amount of your monthly business expenses, the specific expense category those expenses fall into, and whether you’re looking for additional benefits or perks.
For many business owners, the card’s flat 2% cash back rate is a good deal. However, if you have a lot of expenses in a certain category, for example, travel or stationery, it might be worth looking at cards that reward spending in those categories. For example, the American Express® Business Gold Card can earn up to $150,000 per year in quadruple points rewards in the two selected categories where your company spends the most per billing cycle.
For many small businesses and startups, this card is a great deal, with a generous cash-back flat rate, a sizable welcome bonus, and no annual fee. It’s also great for business owners who want a no-frills card that doesn’t require them to think too much about different spending categories, but instead allows them to make money seamlessly with each purchase.
However, the American Express Blue Business Cash Card is not for everyone. For businesses with high annual spending (over $50,000) or those with significant spending in certain categories, different cards may be more suitable. As mentioned above, other high-spend business credit cards from American Express include the American Express Business Gold and American Express Business Platinum.
Final result
Amex Blue Business Cash is a solid entry-level business credit card with great cash back rewards and a $0 annual fee. This is great for businesses looking for a simple, no-frills business card that can help them earn money back from everyday purchases. For more details on what this card offers, check out Bankrate’s review of the American Express Blue Business Cash Card.
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