American Express Blue Business Cash Card Review 2023

Your business is growing, and it’s about time you upgraded to a shiny new card to reflect (or show off) your progress. Enter the American Express Blue Business Cash Card—the card that rewards you for everyday purchases without breaking the bank. 

This card boasts impressive cashback rates, a 0% intro APR, and employee cards at no extra cost. 

But, as any savvy business owner knows, you need to do your homework before making any big moves. 

So let’s figure out if this card is really the office staple you’ve been looking for— 

Read more: 

The American Express Blue Business Cash Card at a Glance 

Full name: American Express Blue Business Cash Card

Best for: Small business owners 

Issuer: American Express

Required credit score: 670 or more 

What’s The American Express Blue Business Cash Card?

The American Express Blue Business Cash Card is a credit card designed specifically for small business owners.

With this card, you can earn up to 2% cashback on all eligible purchases.

You can also enjoy a 0% introductory APR for the first 12 months on purchases and balance transfers.

Just be aware of the steep 18.24%–26.24% APR after that first year and those annoying extra fees for balance transfers and cash advances.

How does American Express Blue Business Cash Card work? 

The American Express Blue Business Cash Card works like other credit cards—you can use it to make purchases and pay off the balance over time.

However, what sets this card apart is the rewards program.

With the Amex Blue Business Cash Card, you can earn up to 2% cashback on all eligible purchases of up to $50,000 in spending per year.

After that, it drops down to 1%—so for every $100 you spend on qualifying purchases, you could earn $2 cashback.

From office supplies and equipment to gas and dining, this card lets you cash in on everything you need to keep your business running smoothly. (So ‌treat yourself to those fancy pens—you deserve it.) 

The Amex Blue Business Cash Card also has a 0% intro APR for 12 months on purchases and balance transfers. 

Translation: You can make big purchases or transfer balances from other cards without racking up a ton of interest. (It’ll definitely come in handy when the time comes to finally replace that hit-or-miss printer.) 

And the Amex Blue Business Cash Card isn’t just a shiny piece of plastic. 

With payment alerts, spending tracking, and access to an account manager, this card is like having your own personal assistant. 

See how to get a business credit card in just four steps.

American Express Blue Business Cash Card: Quick Summary Review 

American Express Blue Business Cash Card: Fees

The American Express Blue Business Cash Card comes with no annual fee and a 0% intro APR for the first year, but some extra charges can sneak up on you if you don’t do your research. 

To avoid any surprises, here’s a complete fee breakdown:

American Express Blue Business Cash Card: Pros & Cons

Pros 

Cons

What we like

No annual fee

Let’s face it—nobody likes paying extra fees just to have a credit card. 

One of the best features of the Amex Express Blue Business Card is that there’s no annual fee in sight. 

This can be a major selling point for small business owners who want to keep costs low.

0% Intro APR

Another money-saving hack is the Amex Blue Business Cash Card’s 0% intro APR for 12 months on purchases and balance transfers. 

Whether you’re making a big purchase or transferring a balance from another card, this intro APR can save you a pretty penny in interest fees. 

Just watch out for when that introductory period ends, as you’ll see that APR shoot up. 

Cashback rewards 

One of the most popular perks of the American Express Blue Business Cash Card is the cashback rewards program. 

With this card, you can earn up to 2% cashback on all eligible purchases, by spending up to $50,000 per year (and 1% cashback on all eligible purchases after you reach $50,000). 

Think of all the rewards you’ll rack up just by buying what you need to keep your business working—from office supplies to those oh-so-important coffee runs. 

Great for small businesses

The American Express Blue Business Cash Card is designed for small business owners, so it comes packed with handy features and benefits. 

For example, you can add employee cards at no extra cost. This lets you keep tabs on your employees’ expenses (no more mystery charges) and earn rewards on their purchases. 

You can also set spending limits and track expenses by employee, which can be helpful come tax time.

Learn how to establish and build business credit. 

Things to keep in mind

High cash advance APR

Despite the pros, the American Express Blue Business Cash Card isn’t a superhero and comes with its own set of weaknesses. 

If you need to take out a cash advance, you’ll be hit with a fee of either $10 or 5% of the amount of each cash advance (whichever is greater). 

Plus, the APR for cash advances is higher than the purchase APR, so if you don’t pay off the balance right away, you might end up paying some hefty interest fees. 

Foreign transaction fees

Got your eye on global expansion? 

Well, if you make purchases with your card outside of the US, you’ll be charged a fee of 2.7% for each transaction. 

So, if you’re a frequent traveler, these fees can really start to add up. 

For those with good credit

The American Express Blue Business Cash Card is reserved for those with at least a 670 on the FICO scale. So if your credit is low, you likely won’t make the cut. 

And if you do happen to sneak in, don’t be surprised if you’re hit with a higher APR than the high rollers with excellent credit.

Find out how to establish and build business credit fast. 

American Express Blue Business Cash Card: Things to Know 

How do I apply for the American Express Blue Cash Business Card?

Applying for the American Express Blue Business Cash Card is quick and easy:

1. Go to the American Express website: Start by visiting the American Express website and navigating to the Blue Business Cash Card page.
2. Check your eligibility: Before you apply, make sure you’re eligible. You’ll need to provide details about your business, like your business name, address, and tax ID number.
3. Fill out the application: Once you’re sure you fit the bill, you can begin filling out the application. They’ll ask you about some personal details, including your name, address, and Social Security number.
4. Submit your application: When you’ve completed the application, review it to make sure everything is accurate, and then submit it. You should receive a response within a few minutes.

They might also ask for extra documentation to verify your business details and creditworthiness. This could include tax returns, bank statements, and financial statements.

And if you make the cut and get approved, your new card will arrive in your mailbox within seven to ten business days. 

Can I get an American Express Business Credit Card pre-approval? 

Yes, American Express offers the option to check for pre-approval for their business credit cards. 

All you have to do is go to the American Express pre-approval website and fill out a quick form with some basic information about yourself and your business. 

Then sit back and relax while American Express does the heavy lifting to see which cards are pre-approved for you. 

But here’s the thing: Pre-approval doesn’t guarantee that you’ll actually get the card when you apply. 

You’ll still need to provide information about your business, income, and credit history to get your hands on the card. They’ll use this info to see if you’re eligible and set your credit limit. 

All in all, checking for pre-approved offers is a great way to get a sense of which American Express business credit cards you might be qualified for. 

What are the key American Express Business Card benefits?

The American Express Blue Business Cash Card has a lot of great benefits for small business owners:

• Cashback rewards: With the American Express Blue Business Cash Card, you can earn up to 2% cashback on all eligible purchases (up to $50,000 in spending per year). 
• Introductory APR: The Amex Blue Business Cash Card has a 0% introductory APR for purchases and balance transfers for the first year. This can be a great way to save money on interest and pay down your balance more quickly.
• No annual fee: Unlike some other business credit cards, the American Express Blue Business Cash Card has no annual fee, which can help you save up over time.
• Account management tools: American Express offers tools and resources to help you manage your account, track expenses, and stay on top of payments. You can set up alerts, check out your spending by category, and even get access to an account manager who can help you with issues.
• Purchase protection: Their purchase protection feature helps protect you against fraud and faulty products. So if you buy something with your card that breaks or doesn’t work as promised, you could get a refund or replacement.

What is the American Express Blue Business Cash Card limit?

The American Express Blue Business Cash Card limit varies based on your creditworthiness and income—but it generally falls between $1,000 to $10,000. 

When filling out your application, Amex will grill you about your business, income, and credit history to figure out your creditworthiness. 

And if your spending needs are about as consistent as a toddler’s mood, Amex offers their Expanded Buying Power. It gives you the power to spend above your credit limit and get things done. 

While this feature is handy, it’s not a free-for-all. 

The amount you can spend above your credit limit is determined by a few factors, like your payment history, credit record, and financial situation. 

So don’t go too crazy—or Amex might reel you back in.

What are the Amex Blue Business Credit Card requirements? 

To be eligible for the American Express Blue Business Cash Card, you’ll need to meet certain requirements:

• Business information: You’ll have to provide details about your business, like your business name, address, and tax ID number. You’ll also need to have a business checking account.
• Good credit: As with many credit cards, your credit score and credit history will be checked when you apply. You’ll need a good or excellent credit score (over 670) to be approved.
• Income: You’ll need a steady income to qualify for the card. This could include income from your business and personal income from other sources.
• Legal age: You must be 18 years old to apply for the card.

What are the Amex Business Card rewards? 

American Express has a whole range of business cards, each with their own rewards program: from cashback deals to American Express Membership Rewards. 

For all you jet setters out there, Amex Business Cards have got your back with airline mile rewards. 

American Express Business Platinum Card gives you 5x points on flights and prepaid hotels booked through amextravel.com.

And if you prefer a hotel over a plane, some Amex Business Cards give you hotel points as rewards. 

For example, the Marriott Bonvoy Business American Express Card offers 6x points at certain Marriott Bonvoy hotels and 4x points on eligible purchases at US restaurants and gas stations. 

All in all, American Express business cards have a plethora of rewards programs that can help you earn rewards on your everyday business expenses. 

Check out our list of top cashback credit cards.

How Does the American Express Blue Business Cash Card Compare? 

Let’s see what this card is really made of in the ultimate Amex showdown: Amex Blue Business Cash Card vs. Amex Blue Business Plus vs. Amex Blue Cash Preferred.

Check out our full Amex Blue Cash Preferred review. 

Still not sure which is the right credit card for you?

American Express Blue Business Cash Card: Useful Links 

Is the American Express Blue Business Cash Card Good For Me?

Here’s who best fits the bill for the American Express Blue Business Cash Card: 

• Small business owners.
• Those who want cashback rewards.
• Folks who are after a 0% intro APR.

If you’re looking to earn cashback on your everyday purchases and slide into a 0% introductory APR, the American Express Blue Business Cash Card is here for you. 

This Amex card was crafted with small business owners in mind, and it’s got all the bells and whistles you need: no annual fee, flexible rewards, and free employee cards. 

But let’s talk about the elephant in the room: The cash advance APR is sky-high, and those foreign transaction fees can add up quickly. 

Plus, this card is for those with good credit—so make sure you check off that box before applying.