The American Express Blue Business Cash Review for 2021

Access a small business-friendly tiered rewards program and a 12-month 0% intro APR period on purchases—all for no annual fee—with the Blue Business Cash Card.

Overview

Credit Card

Credit Card

American Express Blue Business Cash™ Card

Great For: Earning cash back and a long 0% intro APR period

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on American Express's secure website
  • 0% intro APR on purchases for 12 months from date of account opening
  • 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
  • No annual fee
Credit Card
Apply Now
on American Express's secure website
Intro apron purchases for 12 months from date of account openingRegular apron purchases for 12 months from date of account openingAnnual feeMinimum credit
0%13.24% – 19.24%0660

Quick Summary

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.

Blue Business Cash Intro Rates

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.

Blue Business Cash Rewards: Welcome Offer

For a limited time, you can earn up to $300 back to boost your business by earning $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new card within the first 3 months.

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

Blue Business Cash Rewards: Ongoing Offer

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.

Blue Business Cash Annual Fee

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.

Is the American Express Blue Business Cash Right for You?

Get the Blue Business Cash if:

  • 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.

Skip the Blue Business Cash if:

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

Why Go for the Blue Business Cash?

Flexible Spending Limits

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.

No Annual Fee

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.

Blue Business Cash: The Downsides

Capped Top-Earning Categories

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.

Foreign Transaction Fee and Balance Transfer Fee

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.

There’s also a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

Top Alternatives to the American Express Blue Business Cash

Credit Card

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Capital One® Spark® Cash for Business

Great For: Simple cash back rewards

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  • Unlimited 2% cash back on every purchase with no cap
  • Earn a $500 as signup bonus if you spend $4,500 in the first 3 months
  • Annual fee waived first year
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Welcome offerif you spend $4,500 in the first 3 monthsRewards rateon every purchase with no capsAnnual feefirst year, then $95Minimum credit
$5002% cash back0660
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Ink Business Cash® Credit Card

Great For: Typical business expenses

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Apply Now
on Chase's secure website
  • $750 signup bonus if you spend $7,500 in first 3 months
  • 0% intro APR for 12 months on purchases
  • 5%, 2% or 1% cash back depending on where you spend
Credit Card
Apply Now
on Chase's secure website
Welcome offerafter you spend $7,500 on purchases in first 3 monthsRewards ratedepending on where you spendAnnual feeMinimum credit
$750 cash back5%, 2% or 1% cash back on purchases0660