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American Express Blue Business Cash: No Fee, Big Perks
This card offers 2% cash back on eligible purchases up to $50,000 annually with no annual fee. Ideal for business owners with good credit.
The Quick Version
The American Express Blue Business Cash™ card delivers 2% cash back on eligible purchases up to $50,000 annually, then 1%. With no annual fee and an APR ranging from 18.49% to 26.49% variable, it's a straightforward choice for business owners who prefer simplicity and value. Source
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
American Express Blue Business Cash™ Card
Solid choice for businesses wanting cash back without fees.
Fees & Rates
The card boasts a 0% annual fee, making it an attractive option for cost-conscious business owners. The APR ranges from 18.49% to 26.49% variable, according to American Express. While there's no foreign transaction fee, the lack of a sign-up bonus might be a drawback for some.
What's Actually Good
The standout feature here is the 2% cash back on up to $50,000 in purchases annually. If your spending consistently hits that mark, the rewards are substantial. Plus, the absence of an annual fee means you start saving from day one.
The Catch
While the 2% cash back is appealing, it drops to 1% after the $50,000 cap. If your business spends significantly more, this might not be the most rewarding option. Also, the variable APR could be high for those with less-than-excellent credit.
This Card Is For You If...
This card is ideal for business owners with good to excellent credit (670+) who spend up to $50,000 annually on eligible purchases. If you value cash back rewards without the hassle of an annual fee, this card deserves a look.
The Bottom Line
The American Express Blue Business Cash™ card is a no-brainer for small business owners aiming to maximize cash back on moderate spending without paying an annual fee. However, if your business spending exceeds $50,000 annually, consider a card with higher rewards potential.
