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Amex Blue Business Cash Credit Card

Written by: Lenny Pappano
Amex Blue Business Cash Apply Now

The card lacks robust travel rewards, offering only a small cash back structure instead. While it does not require a yearly cost, travel enthusiasts will find better value with options offering more substantial benefits.

Amex Blue Business Cash Apply Now

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 (70,000 points for the Gold and 50,000 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 Minimum Spend Point Value Annual Value Annual Fee
1st Year Value
25,000 $3,000 1.0 ¢ $0 $0
$280
Best Value Differentiating Perks Rules
Cash Back Amex 3/90 , No 5/24 , Amex 1/10

AWARD SYSTEM

Cash in Cents

BANK

American Express

Reconsideration Phone 800.492.3344

CURRENT OFFER

25,000 points for
$3,000 spend.

Spend Categories

All Other - »

2X points
2¢ Per Dollar Spent

Card Benefits

Purchase Protection »
You're protected for up to 90 days, up to $1,000 per item and up to $50,000 per year.
Extended Warranty »
Enjoy up to 1 additional year on the original manufacturer’s warranties of 5 years or less.

Point Transfer Options

Transfer To Spouse/Partner Yes

Transfer To Friends Yes

Travel Partner Transfers

Outside Point System Cash in Cents

Transfers In From
Point Transfer Options
Amex Member Rewards

1:1 71% value retained

Point Transfer Options
Barclay Miles

1:1 100% value retained

Point Transfer Options
Capital One Miles

1:1 91% value retained

Point Transfer Options
Chase Ultimate Rewards

1:1 63% value retained

Point Transfer Options
US Bank Flex Perks

1:1 91% value retained

Point Transfer Options
Wells Fargo Go Far Rewards

1:1 71% value retained

Amex Blue Business Cash Application Rules

You'll be declined if you apply for a fourth Amex card in 90 days

Card approval not subject to 5-personal-cards-in-24-months rule

Amex allows only 1 bonus per specific card per lifetime (yours or that version of the card)

Breaking Points