American Express Blue Business Cash Card Review

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The Blue Business Cash Card from American Express offers a competitive cash-back rate on every dollar you spend, up to a limit. If your small business doesn’t have a huge budget, this no-fee card is a good low-maintenance option.

American Express® Blue Business Cash Card

overall rating
4.2
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 (%) 13.24% - 19.24% 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
3.2
for Fees
3.2
for Rewards
4.0
for Credit
2.2

Who Is This Credit Card Best For?

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

Busy small-business owners who want to earn simple cash back on monthly expenses will get a good value from this card, as long as their budget isn’t huge. The 2% cash-back rate is quite competitive, and applies to all purchases on the card up to $50,000 per calendar year. What’s more, there’s no annual fee, and your rewards are automatically credited to your account each month, so it’s no-fuss. Just keep in mind there’s no welcome offer or exotic redemption options.

Pros
  • Good, simple rewards

  • Decent introductory-rate offer

  • Automatic rewards redemption

  • Option to spend above your credit limit

Cons
  • No welcome offer

  • Not good for big spenders

  • Foreign transaction fee

Pros Explained

  • Good, simple rewards: You’ll earn 2% cash back on all of your purchases (up to a limit), which is as good a rate or better than what most competing cards offer. Some of those may offer unlimited rewards (along with an annual fee), but if you spend less than $4,160 a month, it won’t matter. Plus, there are no spending categories or complicated rewards schemes to keep track of. 
  • Decent introductory-rate offer: A full year of no interest on purchases is a pretty good offer for a business card with no annual fee. Some don’t have any introductory APR offer, and among those that do, some are shorter promotions. This is a good perk if you plan to make large purchases for your business and want (or need) time to pay off the balance.
  • Automatic rewards redemption: You don’t have to do anything to redeem your cash back. You’ll get an automatic credit applied to your statements.
  • Option to spend above your credit limit: If you need to, you can spend over your credit limit without incurring an overlimit fee or making a special request, which could be helpful in a pinch. This is an unusual benefit among business cards. 

American Express will determine how much you can go over your credit limit, based on your history and payment patterns. Anything above your credit limit will be due each month as part of your minimum payment. If you don’t pay at least the minimum on time, the penalty APR will apply to your entire balance.

Cons Explained

  • No welcome offer: With so many business cards offering bonuses to new cardholders worth hundreds of dollars, it’s pretty disappointing that this card does not. 
  • Not good for big spenders: If you’re going to charge more than $50,000 in a calendar year (about $4,160 each month,) you’ll max out the 2% cash-back earning potential. Big spenders are better off getting another card that is designed to reward a larger budget. 
  • Foreign transaction fee: Once you’re off U.S. soil, you’ll have to fork over 2.7% of each purchase in a foreign transaction fee. Some competing cards don’t charge this fee, so this is not the best choice if you take a lot of 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, or a total of $1,000 in cash back. Once you hit that $50,000 purchase mark, you’ll get 1% back with no cap on what can be earned.

Other similar cards offer 1.5% back or 2%, but without a limit and in some cases, with an annual fee. Still other business cards have tiered rewards, where some categories of spending—like travel, dining, gas, shipping and/or advertising—pay the equivalent of 2%, 3% or even 5%, either as cash back or in points, but also often with earning caps.

It’s worth noting that 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 credit on your statement for all cash earned each billing period, so redeeming rewards couldn’t be easier. However, you won’t have the vast redemption options that travel rewards cards may offer, so this isn’t the card for those interested in the best travel deals.

Keep in mind, too, that anytime you don’t make the minimum payment, you will forfeit the rewards you earned in that billing cycle. You’ll also lose existing rewards if you or American Express cancel your account before you redeem remaining cash back.

How to Get the Most Out Of This Card

Even if your budget averages more than $4,160 a month, this card may still be worth it your first year, since the rewards limitations are based on a calendar year. If you get the card in June or July, you have a lot more room to breath before you max out your 2% cash back.

In addition, take advantage of that 0% APR on purchases for your first 12 months if your business is investing in new equipment or other irregular expenses that need to be spread out.

Make sure you’re disciplined to pay off your balance within the promotional period so that interest charges don’t erase the benefit of your cash back.

Other Features 

The card comes with the following perks:

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

Customer Experience

American Express ranked second 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 use the American Express app.

There are also some handy tools for managing business expenses, including the American Express Business App, which lets you:

  • Add notes and receipts to your transactions
  • Take photos of receipts to categorize expenses and sync with transactions
  • Manage complimentary employee cards (set spending limits, freeze/unfreeze cards, etc.)
  • Create PDF expense reports
  • Transfer account data 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. 

Fees to Watch Out For

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.

Next Steps
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CURRENT CARD
American Express® Blue Business Cash Card
overall rating
4.2
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 (%) 13.24% - 19.24% 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.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. American Express. "Blue Business Cash Card From American Express." May 12, 2020.

  2. American Express. "Cardmember Agreement." Accessed May 12, 2020.

  3. American Express. "American Express Business Cards." Accessed May 12, 2020.

  4. J.D. Power. "2019 Credit Card Satisfaction Survey." Accessed March 12, 2020.