American Express Blue Business Cash Card Review

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The Blue Business Cash Card from American Express is a straightforward cash-back card with no annual fee. There’s no welcome offer or redemption options beyond cash back, but some business owners may appreciate the ease of earning a good rate on all sorts of expenses. 

American Express® Blue Business Cash Card

overall rating
3.9
American Express® Blue Business Cash Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 20.99% variable
Annual Fee $0
Rewards Earning Rate Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
INTRO PURCHASE APR 0% for 12 Months
Cash Advance Fee This product does not offer cash advances.
Ratings Breakdown
for Interest
2.6
for Fees
4.1
for Rewards
3.6
for Credit
4.0

Top Rated For

  • Best American Express Credit Cards

Who is This Credit Card Best For?

  • Avatar for Savvy Saver Persona
    Prioritizes sticking to their budget while buying what they want and need
    Savvy Saver
  • Avatar for Entrepreneur Persona
    Is turning their passion into a money-making venture
    Entrepreneur
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play
    Road Warrior
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker

Busy small-business owners who want to earn simple cash back on monthly expenses will get nice value from this card. Since there’s no annual fee, you can pocket your rewards without having to make up for a fee.

This card is also for people who don’t want to think about how or when to redeem rewards. You’ll get automatic cash back credited to your account each month. However, that’s the only way to redeem rewards, so keep that in mind if you like having options. 

If you plan to spend more than $50,000 per year with this card, consider another business card that offers unlimited rewards. 

Pros

  • Good, simple flat-rate rewards

  • Introductory 0% APR on purchases

  • Automatic rewards redemption

  • Squishy credit limit

Cons

  • No welcome offer

  • Limited rewards-earning potential

  • Foreign transaction fee

Pros Explained

  • Good, simple flat-rate rewards: There are no bonus-earning categories to remember with this card. You earn the same flat earnings rate for all of your purchases, and the rate is higher than what some other cards offer.
  • Introductory 0% APR on purchases: A full year of no interest on purchases is a good offer for a business card with no annual fee. Many comparable cards don’t have introductory APR offers longer than nine months, if they offer one at all.
  • Automatic rewards redemption: You don’t have to do apply to redeem your cash back. You’ll get an automatic statement credit, which you can think of as a retroactive discount on your spending. 
  • Squishy credit limit: You can spend more than your credit limit with no overlimit fees and without making a special request, which could be helpful in a pinch. The amount you can spend above the limit is not unlimited, however, and is based on your payment history, credit record, and other factors. 

Whatever you spend above your credit limit will be due each month as part of your minimum payment. If you don’t pay the minimum on time, the penalty APR will apply to your entire balance, including the amount above the credit limit.

Cons Explained

  • No welcome offer: Many other cash-back cards have generous sign-up bonuses, so it’s disappointing that this card does not. 
  • Limited rewards-earning potential: If you put more than $4,200 of expenses on this card each month, you’ll max out your double-cash-back earning potential. Better to look for another card that will reward that much spending. 
  • Foreign transaction fee: Once you’re off U.S. soil, you’ll have to fork over a 2.7% fee on all purchases. This is not the card to bring with you on international business trips.

Earning Points & Rewards

This card’s simple rewards structure lets you earn 2% cash back on eligible purchases up to $50,000 per year. Once you hit that $50,000 purchase mark, you’ll get 1% back. 

Eligible purchases do not include fees or interest charges, prepaid card or reloading purchases, travelers checks, or other cash-equivalent purchases.  And as usual, you won’t earn cash back on returns or statement credits.

Redeeming Rewards

You’ll get an automatic statement credit for anything earned each billing period, so there’s no need to lift a finger to redeem rewards. However, that also means you won’t have the vast redemption options that other rewards cards, such as those focused on travel, may offer. 

Other Features 

The card comes with the following perks:

  • Rental car collision insurance (secondary to your own policy)
  • Extended warranty
  • Insurance for stolen or damaged purchases
  • Travel and emergency hotline

Customer Experience

American Express ranked No. 2 among 11 credit card companies in J.D. Power’s 2019 U.S. Credit Card Satisfaction Study, so you can expect top-notch customer service. Cardholders can call in or connect via the online chat function 24/7 or via the American Express app. 

There are also some handy tools for managing business expenses, including Spend Manager (which lets you add notes and receipts to your transactions), free employee cards with spending limits you set, and easy data transfer to QuickBooks.

Security Features 

American Express offers standard account alerts for this card to help you track activity. You’ll also have assistance sorting out fraud matters, if necessary. 

Blue Business Cash Card’s Fees 

This card doesn’t charge an annual fee—for you or employees who get their own card—or an overlimit fee if you charge beyond your credit limit. Just remember that it does charge a 2.7% foreign transaction fee, so use another card while traveling abroad. 

For American Express® Blue Business Cash Card

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CURRENT CARD
American Express® Blue Business Cash Card
overall rating
3.9
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 20.99% variable
Annual Fee $0
Rewards Earning Rate Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%

Our Methodology

  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.