The American Express Blue Business Cash Review

The American Express Blue Business Cash Card is a cash back card that offers 0% intro APR on purchases you make in your first 12 months as a cardholder. This is one of the longest intro APR periods on the market, and you’ll be able to access it for no annual fee.

The Blue Business Cash offers a 12-month introductory 0% APR period for purchases. This is one of the longest intro APR periods on the market, especially for a cash back business credit card. The Blue Business Cash is a great business credit card for new businesses looking to put large purchases on their card without paying interest.

Keep in mind that after the 12-month period, a variable APR will set in that will depend on your creditworthiness, a rate determined when you apply for the card.

This rate will also vary with the market, so see the issuer’s terms and conditions for the latest APR information.

For a limited time, you can earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

You will also see huge savings with the Blue Business Cash’s lengthy 0% intro APR period on purchases.

When you spend with your AMEX Blue Business Cash business card, you’ll earn 2% back on all eligible purchases on the first $50,000 each calendar year, then 1% back on all purchases after.

Another nice ongoing benefit of this card is that it enables you to buy above your credit limit—giving you cash back on those purchases as well—with no overlimit fees. While this is an “unlimited” credit card, your credit limit adjusts with your usage, payment history, credit record, and other factors.

This American Express business credit card doesn’t come with an annual fee.

Because you won’t have to shell out a lump-sum every year to be a cardholder, there’s no need to calculate whether the cash back rewards are worth an annual fee.

With its cash back rewards and $0 annual fee, the AMEX Blue Business Cash credit card makes things simple.

• You want to avoid annual fees.
• You want to make a big purchase and pay it off over the 12-month 0% intro APR period.
• You want a lengthy APR period for your purchases.

• You do a lot of your business spending abroad and want to dodge foreign transaction fees.
• You’re more interested in travel rewards.

Let’s be clear: the Blue Business Cash Business Card is a business credit card—not a charge card. But when it comes to its credit limit, the Blue Business Cash works like a charge card.

With a charge card, you’ll have the flexibility to make large purchases without worrying about a spending limit. On the other hand, business credit cards come with a cap on what you can spend on the card.

The American Express Blue Business Cash Card offers what Amex calls “more buying power.”

This means that, with the Blue Business Cash Card, you have the ability to make big purchases for your business even if they’ll tip you over your credit limit.

Your limit will adjust with you—depending on your payment history, credit record, income, and so on. As long as you pay off the amount you spent over your limit each month (as you would with a charge card), Amex won’t charge you for going over your spending limit.

Your limit will adjust with you—depending on your payment history, credit record, income, and so on. As long as you pay off the amount you spent over your limit each month (as you would with a charge card), Amex won’t charge you for going over your spending limit.

It’s hard to find a business credit card with significant benefits and no annual fee. But with the Blue Business Cash, you’ve found it.

When you use the American Express Blue Business Cash Credit Card, you won’t have to worry about adding up your earnings to see if they make up for the annual fee. Instead, you can pocket everything you earn without dishing it out in fees each year.

The rewards that the American Express Blue Business Cash Credit Card offers are conditional and have limits to them.

You’ll only get the 2% cash back benefits for the first $50,000 you spend per calendar year. After that cap, the spending you do on the Blue Business Cash will earn you just 1% cash back.

If you spend much more on your business each year, then you might want to find a business credit card that doesn’t put a cap on your cash back rewards.

Though this might seem like a perfect, fee-free card, the American Express Blue Business Cash Card does come with a foreign transaction fee.

For every purchase you make abroad with your card, Amex will charge you 2.7% of that purchase in foreign transaction fees.

If you plan to do a lot of business spending abroad, it could end up costing you with the American Express Blue Business Cash Credit Card.