Welcome to my in-depth review of the American Express Blue Business Cash Card. In this article, I will provide you with all the essential information you need to know about this small-business credit card. Whether you’re a business owner or entrepreneur looking to maximize your cash back rewards, this card could be the perfect fit for you.
With the American Express Blue Business Cash Card, you can enjoy up to 2% cash back on eligible purchases without any annual fees. That means every business expense you make can earn you valuable cash back rewards. Plus, the card offers a 0% introductory APR on purchases for the first 12 months, providing you with additional savings opportunities.
Key Takeaways:
- Earn up to 2% cash back on eligible purchases
- No annual fee, making it budget-friendly
- 0% intro APR on purchases for 12 months
- Credit limit flexibility for varying monthly spending
- Benefit from car rental loss and damage insurance
Key Features of the American Express Blue Business Cash Card
The American Express Blue Business Cash Card offers a range of attractive features that make it an excellent choice for small business owners. Here are the key features of this card:
- Annual fee: $0
- Welcome offer: Earn a $250 statement credit after spending $3,000 in the first 3 months
- Rewards: Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%
- APR: 0% intro APR on purchases for 12 months, variable APR of 18.49%-26.49%
- Foreign transaction fee: 2.7%
- Other benefits: Credit limit flexibility, designated account manager, car rental loss and damage insurance
https://www.youtube.com/watch?v=SUsWW23D_dU
With no annual fee and a generous welcome offer, the American Express Blue Business Cash Card provides great value from the moment you start using it. The 2% cash back on eligible purchases up to $50,000 per calendar year allows you to earn rewards effortlessly. Plus, the 0% intro APR on purchases for 12 months gives you flexibility in managing your cash flow. The card also offers additional benefits like credit limit flexibility, a designated account manager, and car rental loss and damage insurance, providing peace of mind for your business needs.
Why You Might Want the American Express Blue Business Cash Card
The American Express Blue Business Cash Card offers a range of features that make it a compelling choice for small business owners. Here are a few reasons why you might want to consider this card:
- Solid, straightforward rewards with no need to track categories: With the American Express Blue Business Cash Card, you can earn cash back rewards on all eligible purchases without the hassle of tracking spending categories. This makes it easy to earn rewards on everyday business expenses.
- Credit limit flexibility for varying monthly spending: The card offers credit limit flexibility, allowing you to adjust your spending based on your business needs. Whether you have a busy month or need to tighten your budget, this feature provides you with the flexibility to manage your expenses effectively.
- 0% intro APR offer on purchases: If you’re looking to make a big purchase for your business, the American Express Blue Business Cash Card offers a 0% introductory APR on purchases for 12 months. This can help you save money on interest and manage your cash flow.
- Automatic redemptions for cash back rewards: Redeeming your cash back rewards is simple with this card. Your cash back rewards are automatically credited to your account, eliminating the need for manual redemption. This makes it convenient to enjoy the benefits of your rewards.
- No annual fee, making it budget-friendly for small business owners: The American Express Blue Business Cash Card has no annual fee, which is beneficial for small business owners looking to maximize their savings. With no annual fee, you can enjoy the cash back rewards and benefits of the card without incurring additional costs.
By choosing the American Express Blue Business Cash Card, you can enjoy straightforward cash back rewards, credit limit flexibility, an introductory APR offer, automatic redemptions, and no annual fee. These features make it a smart choice for small business owners who want to earn rewards while keeping their expenses in check.
| Features | American Express Blue Business Cash Card |
|---|---|
| Cash Back Rewards | Up to 2% cash back on eligible purchases |
| Annual Fee | No annual fee |
| Intro APR on Purchases | 0% introductory APR for 12 months |
| Credit Limit Flexibility | Option to adjust credit limit based on monthly spending |
| Automatic Redemptions | Cash back rewards are automatically credited to the account |
Why You Might Want a Different Card
If your business has annual expenses that exceed $50,000, you may want to consider a different cash-back business credit card with unlimited rewards. While the American Express Blue Business Cash Card is a great option for small businesses with lower spending, there are other cards that offer more benefits for higher spenders.
One alternative is the Ink Business Unlimited Credit Card, which provides 1.5% cash back on all purchases, without any spending limits. This card is ideal for businesses with higher annual expenses.
Another option is the Capital One Spark Cash Plus, which offers 2% cash back on all purchases without a limit. However, it’s important to note that this card is a charge card, meaning you have to pay the balance in full each month.
If you prioritize travel rewards, there are business credit cards available that provide bonus rewards on flights and travel-related expenses. These cards often offer extra perks such as airport lounge access and travel insurance.
“If your annual expenses exceed $50,000, consider a different cash-back business credit card with unlimited rewards.”
Keep in mind that each business has unique needs and spending habits, so it’s important to carefully evaluate your options before choosing a credit card.
By selecting a card that aligns with your business’s spending patterns and financial goals, you can maximize your rewards and benefits, helping your business thrive.
The American Express Blue Business Cash Card vs. The Blue Business Plus Credit Card from American Express
When deciding between the American Express Blue Business Cash Card and the Blue Business Plus Credit Card, it’s important to consider the type of rewards you prefer. Both cards offer enticing benefits for small businesses, but their rewards structures differ.
The American Express Blue Business Cash Card is designed for those who want straightforward cash back rewards on their everyday business purchases. With this card, you can earn cash back as a statement credit, providing immediate value to your business.
The Blue Business Plus Credit Card, on the other hand, earns Membership Rewards points. While the value of Membership Rewards points may vary depending on how you choose to redeem them, this card offers greater flexibility when it comes to redemption options.
If you prefer the simplicity of cash back rewards, the American Express Blue Business Cash Card is the better choice. However, if you value flexibility and have a specific redemption in mind, the Blue Business Plus Credit Card may offer more options for you.
Bankrate’s Review of the American Express Blue Business Cash Card
Bankrate recently conducted a review of the American Express Blue Business Cash Card, one of the top choices for small business owners seeking rewards on their everyday purchases. The card received an impressive rating of 4.3 out of 5 stars, indicating its overall excellence and value.
According to Bankrate, the American Express Blue Business Cash Card is highly recommended for small business owners who want to earn cash back on their everyday expenses. With its high flat cash back rate, this card allows you to maximize your rewards potential.
This card stands out for its business-oriented benefits, which can be a valuable asset for any entrepreneur. Whether it’s the credit limit flexibility that accommodates varying monthly spending or the car rental loss and damage insurance, the American Express Blue Business Cash Card is designed to support business owners in their financial needs.
While Bankrate recognizes the card’s strengths, it does acknowledge that other options may offer more flexibility in terms of spending categories and redemption options. However, for those seeking a straightforward and lucrative cash back rewards program, the American Express Blue Business Cash Card remains a top contender.
Bankrate’s review provides valuable insights into the American Express Blue Business Cash Card, helping small business owners make informed decisions about their credit card choices.
| Pros | Cons |
|---|---|
| No annual fee | Rewards rate drops after reaching the $50,000 spending cap |
| Introductory APR on purchases | High foreign transaction fees |
| Business-oriented benefits | No low introductory APR for balance transfers |
Rewards, APR, and Fees of the American Express Blue Business Cash Card
When it comes to rewards, the American Express Blue Business Cash Card offers an attractive earning structure. Cardholders can enjoy 2% cash back on eligible purchases, up to $50,000 per calendar year. Once the spending limit is reached, the cash back rewards drop to 1%. This straightforward rewards system eliminates the need to track spending categories, giving business owners hassle-free cash back on all their purchases.
In addition to the rewards program, the Blue Business Cash Card also provides a competitive APR offer. It starts with a 0% introductory APR on purchases for the first 12 months, giving cardholders the flexibility to pay off their business expenses over time without incurring any interest charges. However, it’s important to note that after the introductory period, the variable APR ranges from 18.49% to 26.49%, depending on the cardholder’s creditworthiness.
One of the standout features of the American Express Blue Business Cash Card is its fee structure. This card does not charge an annual fee, making it a budget-friendly choice for small business owners. However, it’s worth mentioning that there is a 2.7% foreign transaction fee for each transaction made in a different currency. While this fee may not be a concern for businesses with limited international transactions, it’s essential for frequent travelers and businesses operating globally to consider.
In summary, the American Express Blue Business Cash Card offers generous rewards, a competitive APR offer, and a favorable fee structure. With its straightforward cash back program, business owners can earn rewards on all their eligible purchases, up to $50,000 per year. The 0% intro APR on purchases provides financial flexibility, allowing businesses to manage their cash flow effectively. Plus, the absence of an annual fee keeps costs low for small business owners. However, it’s crucial to be aware of the foreign transaction fee if your business frequently conducts international transactions.
Is the American Express Blue Business Cash Card Worth Getting?
When considering a business credit card, the American Express Blue Business Cash Card is definitely worth your attention, especially if you have varying expenses and an annual spending limit below $50,000. This card offers solid cash back rewards and a range of benefits that can enhance your business operations.
With the American Express Blue Business Cash Card, you’ll earn cash back on all eligible purchases, providing a straightforward rewards program without the need to track spending categories. The ability to receive automatic redemptions for your cash back rewards adds convenience to your financial management.
One of the notable advantages of this card is the credit limit flexibility it offers. As a small business owner, you can have peace of mind knowing that you can adjust your credit limit to account for your varying monthly expenses.
Additionally, the card comes with a 0% introductory APR on purchases for the first 12 months, allowing you to make business-related purchases without incurring interest charges. This feature can be especially advantageous if you have planned expenses that stretch over a longer period.
However, it’s essential to consider your specific business needs and spending habits before applying for the American Express Blue Business Cash Card. If you spend heavily in specific categories that aren’t covered by the card’s rewards program, you may want to explore other options that offer more tailored benefits. Similarly, if you prioritize travel rewards or desire a wider range of redemption options, alternative business credit cards may better suit your needs.
| Pros | Cons |
|---|---|
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Ultimately, the American Express Blue Business Cash Card offers solid cash back rewards and benefits that can suit the needs of many small business owners. However, it’s wise to evaluate your spending habits and specific requirements to determine if it’s the right fit for your business.
Pros and Cons of the American Express Blue Business Cash Card
When considering the American Express Blue Business Cash Card, it’s important to weigh the advantages and disadvantages. Here are the pros and cons:
Pros:
- No annual fee
- Introductory APR on purchases
- Business-oriented benefits
Cons:
- Rewards rate drops after reaching the $50,000 spending cap
- High foreign transaction fees
- No low introductory APR for balance transfers
Overall, the American Express Blue Business Cash Card offers several benefits for small business owners, such as no annual fee, an introductory APR on purchases, and business-oriented benefits. However, it’s important to consider the cons, including the decrease in rewards rate after reaching the $50,000 spending cap, the high foreign transaction fees, and the absence of a low introductory APR for balance transfers.
By evaluating the pros and cons, you can determine if the American Express Blue Business Cash Card aligns with your business’s needs and financial goals.
How the American Express Blue Business Cash Card Stacks Up Against Other Business Cards
The American Express Blue Business Cash Card offers a high flat cash back rate compared to other business cards with similar benefits. Here’s how it compares to some notable competitors:
| Card | Earning Rate | Annual Fee | Introductory APR |
|---|---|---|---|
| American Express Blue Business Cash Card | 2% cash back on eligible purchases up to $50,000 per calendar year, then 1% | $0 | 0% intro APR on purchases for 12 months |
| Ink Business Cash Credit Card | 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year 1% cash back on all other purchases |
$0 | 0% intro APR on purchases for 12 months |
| Capital One Spark Cash Plus | 2% cash back on all purchases | $150 | N/A |
Note: All information provided is based on publicly available data and is subject to change. Please refer to the respective card issuer’s website for the most up-to-date information.
While the American Express Blue Business Cash Card stands out with its high flat cash back rate and no annual fee, cards like the Ink Business Cash Credit Card offer different rewards structures with spending categories. The Capital One Spark Cash Plus also offers a 2% cash back rate, but it comes with an annual fee of $150.
One unique feature that sets the American Express Blue Business Cash Card apart is its Expanded Buying Power, which allows cardholders to spend beyond their credit limit based on factors like payment history, income, and credit record. This flexibility can be beneficial for businesses with varying monthly expenses.
With its competitive cash back rate, no annual fee, and credit limit flexibility, the American Express Blue Business Cash Card is a compelling option for small business owners.
Conclusion
The American Express Blue Business Cash Card is an ideal choice for small business owners seeking to earn cash back rewards on their everyday business purchases. With its high flat-rate rewards and business-friendly benefits, this card offers valuable perks that can help businesses save money and maximize their purchasing power.
However, it’s important to consider the specific needs of your business before applying for this card. The American Express Blue Business Cash Card may not be the best fit for businesses with annual spending that exceeds $50,000 or those looking for a wider range of redemption options. In such cases, exploring other cash-back business credit cards with unlimited rewards or cards that offer bonus rewards on specific spending categories may be more beneficial.
Nevertheless, for small business owners looking for a straightforward cash back rewards program with no annual fee, the American Express Blue Business Cash Card presents a compelling option. Its competitive rewards rate, credit limit flexibility, and additional perks make it a valuable tool for managing business expenses and earning rewards on everyday purchases.
FAQ
What is the American Express Blue Business Cash Card?
The American Express Blue Business Cash Card is a small-business credit card that allows you to earn up to 2% cash back on eligible purchases without an annual fee.
What are the key features of the American Express Blue Business Cash Card?
The key features of the American Express Blue Business Cash Card include a 0% intro APR on purchases for 12 months, credit limit flexibility, car rental loss and damage insurance, and the ability to earn 2% cash back on eligible purchases up to $50,000 per calendar year, then 1%.
Why might I want the American Express Blue Business Cash Card?
You might want the American Express Blue Business Cash Card if you are a small business owner looking to earn cash back rewards on everyday business purchases. The card offers a high flat cash back rate and business-oriented benefits, all without an annual fee.
Why might I want a different card?
If you have annual expenses that exceed $50,000 or if you prefer more redemption options and spending categories, you may want to consider other business credit cards that better align with your needs.
What’s the difference between the American Express Blue Business Cash Card and the Blue Business Plus Credit Card from American Express?
The main difference between the American Express Blue Business Cash Card and the Blue Business Plus Credit Card is the type of rewards they offer. The Blue Business Cash Card earns cash back, while the Blue Business Plus Card earns Membership Rewards points.
What does Bankrate say about the American Express Blue Business Cash Card?
Bankrate rates the American Express Blue Business Cash Card 4.3 out of 5 stars and recommends it for small business owners who want to earn rewards on everyday purchases. However, Bankrate also mentions that other cards may offer more flexibility with spending categories and redemption options.
What are the rewards, APR, and fees associated with the American Express Blue Business Cash Card?
The American Express Blue Business Cash Card offers 2% cash back on eligible purchases up to $50,000 per calendar year, then 1%. It has a 0% intro APR on purchases for 12 months, followed by a variable APR of 18.49%-26.49%. The card has no annual fee but charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
Is the American Express Blue Business Cash Card worth getting?
The American Express Blue Business Cash Card is worth considering if you are a small business owner with varied expenses and annual spending below $50,000. It offers solid cash back rewards and benefits like credit limit flexibility and automatic redemptions, all without an annual fee.
What are the pros and cons of the American Express Blue Business Cash Card?
The pros of the American Express Blue Business Cash Card include no annual fee, an introductory APR on purchases, and business-oriented benefits. The cons include a rewards rate that drops after reaching the $50,000 spending cap, high foreign transaction fees, and no low introductory APR for balance transfers.
How does the American Express Blue Business Cash Card stack up against other business cards?
Compared to other business cards, the American Express Blue Business Cash Card offers a high flat cash back rate and credit limit flexibility, setting it apart from other options in the market.
