AmEx Blue Business Cash Review: Effortless Earning for Entrepreneurs

AmEx Blue Biz Cash: 2% back on $50K spend, $0 fee, easy rewards.

AmEx Blue Business Cash Review: Effortless Earning for Entrepreneurs

The American Express Blue Business Cash™ Card stands out in the crowded field of small business credit cards by combining simplicity with valuable rewards.


  • Annual Fee: $0, making it accessible for all business sizes.
  • APR: Offers a 0% intro APR on purchases for the first 12 months, followed by a variable APR of 18.49%-26.49%.
  • Cash Back: Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%.
  • Sign-Up Bonus: Earn a $250 statement credit after spending $3,000 in the first 3 months.


  • Simplicity: A straightforward 2% cash back on everyday business expenses without tracking categories.
  • Cash Back Automatically Credited: Earned cash back is automatically credited to your statement.
  • Intro APR Period: Ideal for businesses planning significant purchases, offering breathing space to pay off balances interest-free.
  • Credit Limit Flexibility: Spend beyond your limit with AmEx's Expanded Buying Power, offering greater financial leeway.


  • Spending Cap on Higher Rewards Rate: The 2% cash back drops to 1% after $50,000 in annual spending.
  • Foreign Transaction Fee: Charges 2.7% on transactions made outside the U.S., not ideal for international business activities.
  • Lacks Travel Perks: No specific travel rewards, making it less appealing for businesses with frequent travel expenses.

Product Summary

The American Express Blue Business Cash™ Card marries the appeal of cash back with the practicality of a $0 annual fee, making it a prime choice for small to medium-sized businesses. The automatic credit of cashback simplifies reward redemption, and the 0% intro APR period on purchases provides an excellent opportunity for businesses planning upfront investments. While the card excels in simplicity and efficiency, businesses with expenditures exceeding $50,000 or those seeking travel rewards might find it limiting. Nonetheless, its benefits significantly outweigh its limitations for the right business model, offering a robust financial tool without the complication of managing rewards.

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