Amex Blue Business Cash Credit Card Review
Key Takeaways
Although the American Express Blue Business Cash card charges no annual fee, that is its main highlight. We rarely recommend cash back cards, since we are generally pursuing free travel rewards. This card does not provide those, offering only a small welcome offer and a flat percentage of cash back on all spending. If you are willing to pay an annual fee, there are more beneficial cards available.
Why This Card Could Be Right For You
You can earn a 25,000 points (redeemable as cash back) by spending $3,000 in the first three months. You will also earn a flat 2% cash back on all purchases, up to $50,000 per year, making this card easy to use with no advanced planning required.
It provides a few travel and purchase protections, such as car rental loss and damage insurance, extended warranty, and purchase protection. Since this is a business card, it will not count against your 5/24 status.
When The Usual Advice Doesn't Apply
Here are some reasons why this card may not be right for you:
- You will not earn any free travel, as there are no travel rewards beyond car rental loss and damage insurance.
- The welcome offer is small. If you are comfortable with paying an annual fee, there are better offers from other business cards.
How The Amex Blue Business Cash Credit Card Fits In The Cash in Cents Ecosystem
American Express offers several business cards, giving you options depending on your rewards goals.
- American Express Blue Business Plus: No annual fee and earns Membership Rewards points on everyday spending. This is the only Amex card that earns Membership Rewards with no annual fee, making it a valuable long-term option despite a lower welcome offer (15,000 points) that the Blue Business Cash.
- American Express Business Green: The next step up that also earns Membership Rewards, but we generally don’t recommend it since the benefits and welcome bonus don’t justify the $95 annual fee.
- American Express Business Gold: Higher annual fee with a 100,000-point bonus and strong category multipliers on your top spend categories, making it a better fit for businesses with concentrated spending.
- American Express Business Platinum: Premium option with a 200,000-point bonus and extensive statement credits and travel perks that can offset the high annual fee.
If you want to maximize travel rewards, the Gold and Platinum cards offer stronger earning and benefits, especially in the first year. The Blue Business Plus works well as a long-term, no-annual-fee option to keep your Membership Rewards points active.
Card Information
Differentiating Perks
Historical Card Offers
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Estimated Next Offer
Amex Blue Business Cash Application Rules
You'll be declined if you apply for a third Amex card in 90 days
This business card will not show on your personal credit report, so it won't count against your 5/24 status
Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth
Card approval not subject to 5-personal-cards-in-24-months rule
Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card)
After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus
