American Express® Blue Business Cash Card Review

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Our Detailed Review of This Card

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The American Express® Blue Business Cash Card (a NextAdvisor advertiser) is a great choice for companies looking for a no annual fee card that can earn them cash back rewards on every purchase. The American Express® Blue Business Cash Card also allows businesses to make purchases above their credit limit and still earn cash back rewards on those purchases.

With the American Express® Blue Business Cash Card, you’ll earn 2% on all eligible purchases up to $50,000 per calendar year, then 1%. Your cash back rewards will be automatically credited to the following month’s statement — meaning you won’t have to worry about redemption.

If — like most businesses — there’s a month where your business has to make a purchase that exceeds your credit limit, you won’t need to worry. The American Express® Blue Business Cash Card lets you spend over your credit limit without paying an overlimit fee, calling in a special request or jumping through any more hoops. The amount you charge over your credit limit will be due in full (as part of your minimum payment) the next billing cycle. Better yet, you’ll earn cash back rewards on purchases made over your credit limit.

Should your business need to make a large purchase in the future, the American Express® Blue Business Cash Card also features an introductory APR of 0% on purchases for 12 months and 0% on balance transfers for 12 months, then 14.74% - 20.74% Variable. This offer can help your business pay off any large purchases or debt without paying anything in interest for 12 months. (For the American Express® Blue Business Cash Card‘ full details on the rates and fees, please visit the terms page.)

Other benefits of the American Express® Blue Business Cash Card include free employee cards (which also earn cash back, deposited into the main cardholder’s account), purchase protection and extended warranty. The card’s Receipt MatchSM feature helps you manage business expenses, allowing you to add notes, receipts and tags to your card transactions via computer or mobile phone. This feature also lets you manage employee cards with spending limits and alerts.

Overall, the American Express® Blue Business Cash Card is a smart option for businesses looking to earn significant cash back rewards on all purchases. Add in a 0% on purchases for 12 months, a reasonable ongoing APR and all the benefits of the American Express® program and you’ve got the perfect choice.

Rewards

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
  • 1% cash back on all eligible purchases after spending $50,000 per calendar year.

Redeem Rewards

  • 2% cash back on all eligible purchases (up to $50,000 a year, then 1%).
  • Cash back on purchases is automatically credited to your statement each month.

Fees and APR

  • Annual Fee: No annual fee.
  • Purchase APR: 0% on purchases for 12 months, then 14.74% - 20.74% Variable.
  • Balance Transfer APR: 0% on balance transfers for 12 months, then 14.74% - 20.74% Variable.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Penalty APR: 29.99% Variable.
  • Late Payment Fee: Up to $39.
  • For the American Express‘ full details on the rates and fees, please visit the terms page.
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