Best in Class
{{ benefit.description }}
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 $250 cash back welcome offer 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 multiple options depending on your rewards goals. The American Express Blue Business Plus card is quite similar to the Blue Business Cash card—both have no annual fee and earn rewards on everyday spending. However, the Blue Business Plus card earns Membership Rewards points instead of straight cash back, which can be beneficial for travel if you transfer points to airline or hotel partners.
- Key difference: The welcome offer on the Blue Business Plus is lower (15,000 points), but those points can be redeemed for travel rather than only for cash back.
- Another option: The American Express Business Green card, which lets you earn Membership Rewards points, is generally not recommended. Its benefits and sign-up bonus do not justify the $95 annual fee for most users.
If you want to take your travel rewards strategy even further, consider the American Express Business Gold or American Express Business Platinum cards. These cards have significantly higher annual fees, but their larger welcome offers (100,000 points for the Gold and 200,000 for the Platinum) and numerous statement credits can outweigh those fees, especially in the first year. If the credits and perks align with your spending patterns or travel style, you may even find that keeping one or both cards beyond the first year is worthwhile.
Card Information
Bonus Points
25,000
Minimum Spend
$3,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0
1st Year Value
{{ firstYearValue }}
Differentiating Perks
2X on All Purchases*
0% Intro APR for 12 Months
Card Benefits
No benefits are available for this card.
Historical Card Offers
{{ offerStats.averageFrequency != null ? Math.round(offerStats.averageFrequency) + ' Months' : 'N/A' }}
Average Frequency
{{ offerStats.averageOfferLength != null ? offerStats.averageOfferLength.toFixed(1) + ' Months' : 'N/A' }}
Average Offer Length
{{ offerStats.estimatedNextOffer ? (['Jan','Feb','Mar','Apr','May','Jun','Jul','Aug','Sep','Oct','Nov','Dec'][offerStats.estimatedNextOffer.getMonth()] + " '" + String(offerStats.estimatedNextOffer.getFullYear()).slice(-2)) : 'N/A' }}
Estimated Next Offer
Start Date
Offer Length
Bonus
Minimum Spend
Spend Categories
2¢
Per Dollar
Spent
Spent
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
