American Express Blue Business Cash™ Card Review

Are you a small business owner looking for an easy way to earn rewards on your daily purchases? With the American Express Blue Business Cash Card, you can take advantage of up to 2 percent cash back on eligible purchases and get a $250 statement credit when spending $3,000 in the first 3 months.

Plus, there’s no annual fee and 0 percent APR for 12 months—allowing you to reap great value out of this card. Whether it’s access to shopping and travel protections or Amex offers that sweeten the deal—the American Express Blue Business Cash Card doesn’t disappoint! Let’s move further and give you an in-depth American Express Blue Business Cash Card review:

Highlights

• Earn 2% cash back on eligible purchases on up to $50,000 yearly spending limit
• $250 statement credit when spending $3,000 in the first 3 months
• No annual fee
• 0% APR for 12 months
• Access to shopping and travel protections
• Amex offers to sweeten the deal
• Great value for small business owners

American Express Blue Business Cash ™ Card Benefits

The American Express Blue Business Cash Card offers numerous benefits to small business owners, making it a great choice for everyday purchases. From earning cash back on eligible purchases to accessing shopping and travel protections, this card has everything you need to streamline your business expenses and maximize your rewards. Keep reading for an in-depth review of the American Express Blue Business Cash Card’s top benefits.

1. Welcome Offer

New cardholders of the American Express Blue Business Cash Card can earn a $250 statement credit after spending $3,000 in the first 3 months of card membership. This is a great way to jump-start your rewards and offset your business expenses.

2. Earning Rewards

With the American Express Blue Business Cash Card, you can earn 2% cash back on eligible purchases up to $50,000 per calendar year. This is a great way to maximize your daily expenses and earn rewards on the go. Plus, there’s no limit on the amount of cash back you can earn after reaching the $50,000 cap.

3. Redeeming Rewards

Redeeming cash-back rewards is easy with the American Express Blue Business Cash Card. You can redeem them as a statement credit, which can help you offset your business expenses or invest in new equipment. Alternatively, you can redeem gift cards or merchandise through the Amex online portal. So, if you spend $1000 a month, you can earn $20 cashback that can be used towards your next statement.

4. 0% Introductory Rates

The American Express Blue Business Cash Card offers a 0% introductory APR for the first 12 months, then 18.49% – 23.49% variable APR thereafter, Allowing you to make big purchases without worrying about interest. This feature is especially beneficial for small business owners who may not have the cash flow to pay off large expenses in one go.

5. Shopping and Travel Protections

The American Express Blue Business Cash Card offers a wide range of shopping and travel protections, including extended warranty protection, purchase protection, and car rental loss and damage insurance. This can provide peace of mind when purchasing expensive items for your business or traveling for work.

6. Statement Credit

As mentioned earlier, the American Express Blue Business Cash Card offers a $250 statement credit when you spend $3,000 in the first 3 months of card membership. This is a great way to kickstart your rewards earnings and get a little

7. Boost Your Buying Power

Experience the freedom to spend beyond traditional credit limits with custom additional limits offered through Amex’s fixed-rate financing system. Benefit from increased purchasing power and flexibility that suits your unique needs.

8. Peace of Mind with Car Rental Loss and Damage Insurance

When you choose to use your Amex card to pay for a rental vehicle and decline the collision damage waiver at the rental counter, you gain the added advantage of secondary auto coverage in eligible territories. Travel with peace of mind knowing you have an additional layer of protection.

9. Global Assistance at Your Fingertips

Enjoy peace of mind while traveling more than 100 miles from home with access to Amex’s Global Assist Hotline. Receive assistance and support for unexpected situations like translation services, lost passport replacement, missing luggage, emergency legal and medical referrals, ensuring that help is just a phone call away.

10. Empower Your Employees with Employee Cards

The card offers to add Employee Blue Business Cash Cards and give cash back rewards on employees’ eligible purchases. So, you can enable your employees to make purchases on the same account while earning rewards. Simplify expense tracking and streamline payments with individual employee cards, all under one account.

11. Dedicated Account Managers for a Smooth Experience

Enhance efficiency and convenience by adding authorized account managers to your Amex account. Simplify tracking expenses, managing payments, and delegating responsibilities with ease.

12. Simplify Your Finances with the Amex App

Manage your Amex account directly from your mobile device. Access a wide range of account management features, including transaction monitoring, payment scheduling, and rewards tracking, anytime and anywhere you go.

13. Simplified Vendor Payments with Vendor Pay by Bill.com

Enroll in Bill.com’s vendor pay program and earn rewards while simplifying your vendor payment process. Seamlessly pay your vendors while earning valuable rewards, making your business transactions even more rewarding.

14. Extra Protection with Extended Warranties

Get an additional year of warranty coverage on eligible manufacturer warranties when you use your Amex card for payment. Enjoy the added peace of mind knowing that your purchases are protected for an extended period.

15. Protect Your Purchases with Purchase Protection

Safeguard your eligible purchases from damage, loss, or theft with Amex’s purchase protection. Rest easy knowing that you are covered in case of unexpected incidents that may occur. Your Membership protects for a limited period of 90 days from the date of the Covered Purchase while being subject to Coverage Limits.* Please note that the coverage is capped at $1,000 per occurrence and $50,000 per calendar year. Terms apply.

16. Welcome Intro Offer – American Express Blue Business Cash

The American Express Blue Business Cash™ card rewards you for spending on purchases, has a $0 annual fee, and offers a generous sign-up bonus. With its welcome offer, you can earn $250 statement credits after making eligible purchases of $5,000 or more within the first six months of account opening.

Fees – American Express Blue Business Cash

One of the primary advantages of the American Express Blue Business Cash card is that there is no annual fee. This means you can enjoy all the perks of a rewards credit card without having to pay for them. Here’s the list of all fees on Amex Blue Business Card:

• Annual Membership Fee: $0
• Balance Transfer Fee: If eligible, either $5 or 3% of the amount of per transfer.
• Foreign Transaction: 2.7% per transaction after conversion to US dollars.
• Penalty Fees/ Late Payment: Up to $39
• Over Limit Fee: None
• Returned Payment Fee: $39
• Cash Advance Fee: Cash Advance is not allowed

Interest Rates – American Express Blue Business Cash

The American Express Blue Business Cash card offers a competitive annual percentage rate (APR) based on your creditworthiness and other factors. Additionally, you’ll enjoy a 0% introductory APR on purchases for the first 12 months after account opening. After the introductory period ends, your interest rate from 18.49% (Prime Rate + 9.99%) to 26.49% (Prime Rate + 17.99%) will be applied.

Card Limit – American Express Blue Business Cash

The American Express Blue Business Cash card limit is $50,000 per year which can create a mess if your business spending is more than $4000 or $5000 per month.

Credit Score Needed

To be eligible for the American Express Blue Business Cash card, it is recommended to have a good to excellent credit score of 670 or above. This will increase your chances of approval and also help you get a lower interest rate.

How to Use Blue Business Cash Card?

If you’re a business owner, you know how important it is to track your expenses and manage your finances efficiently. With the American Express Blue Business Cash Card, you can do just that. This card is designed to help you earn cash back on your everyday business purchases while also providing you with a range of valuable features.

Here are some tips for using the Blue Business Cash Card to make the most of its rewards and benefits.

1. Take Advantage of the Welcome Offer: When you sign up for the Blue Business Cash Card, you’ll have the opportunity to earn a welcome bonus of up to $250 cashback. To earn this bonus, all you have to do is spend $3,000 on eligible purchases within the first 90 days of opening your account.
2. Use the Card to Earn Cash Back on Eligible Purchases: With the Blue Business Cash Card, you’ll earn 2% cash back on all eligible purchases, up to $50,000 per year. After that, you’ll earn 1% cash back. To maximize your rewards, use the card for business expenses like office supplies, travel, and dining. Keep in mind that cashback is not earned on fees, balance transfers, or cash advances.
3. Leverage the Expanded Buying Power Feature: With this feature, you can spend beyond your credit limit on eligible purchases. This can be especially helpful if you need to make a large purchase for your business. However, keep in mind that the amount you can spend above your credit limit is not unlimited and is based on your payment history, credit record, and other factors.
4. Monitor Your Account Regularly: Make sure to keep an eye on your account to track your spending and rewards. You can view your account online or through the American Express mobile app. This will help you stay on top of any fraudulent activity and ensure you’re earning the most rewards possible.
5. Take Advantage Of Additional Card Benefits: The Blue Business Cash Card also comes with a range of valuable features, including no annual fee, basic shopping and travel protections, and a 0% intro APR on purchases for 12 months (after that, a variable APR of 18.49%-26.49% applies). These benefits can help you save money and protect your business as you grow.

Is American Express A Good Business Credit Card

American Express is among the most respected credit card brands that offer business credit cards in the market. The American Express Blue Business Cash Card stands out as an excellent choice for small business owners who want to earn rewards on everyday purchases.

The card scores high ratings on rewards value, APR, rewards flexibility, and features and offers a flat cashback rate of 2% on all eligible purchases up to $50,000 per year and 1% cashback on all eligible purchases after reaching the spending cap of $50K. Moreover, the card has no annual fee and provides a 0% introductory APR period on purchases.

American Express Blue Business Cash Card Phone Number

You can call American Express toll-free in the U.S. at 1-888-781-6736 for online application, Card replacement, fraud, and other inquiries.

In conclusion, the American Express Blue Business Cash Card is an excellent choice for new or small-business owners looking for a straightforward cashback card.

However, the spending cap provided for the cashback rate is a drawback for businesses that spend significantly beyond the limit. American Express also offers other cards with higher earning potentials that can be beneficial for businesses with travel rewards programs.

American Express Blue Business Cash Card Apply Online

You can apply for the American Express Blue Business Cash Card, or you can either visit their website or call their customer service hotline at 1-888-781-6736. The online application process is simple, allowing you to fill out your personal and business information, submit any required documents, and then receive a decision within minutes. You will usually need to provide your social security number, business details such as tax ID and annual income, and information about your business’s structure.

Approval Time

Upon approval, you should receive your card within 7-10 business days. You can also add employees as authorized users for no additional cost.

Conclusion

• The American Express Blue Business Cash Card is an excellent choice for small business owners looking to earn rewards on everyday purchases, with no annual fee and 0% APR for 12 months.
• Earn 2% cashback on eligible purchases up to $50,000 per calendar year as well as a welcome offer of $250 statement credit when spending $3,000 in the first 3 months.
• Benefits include purchase protection and car rental insurance, access to Amex offers, 0% introductory APR on purchases for 12 months, employee cards and expense management tools, a global assistance hotline, and more.
• Those interested in applying should have a good-to-excellent credit score of 670 or above. There is an applicable foreign transaction fee of 2.7%, a balance transfer fee (if eligible) of either $5 or 3% per transfer, and a returned payment fee is up to $39.
• Purchase protection, extended warranties, and purchase power are other features available with the card.
• Use the Amex mobile app to manage the account directly from your device; enjoy added benefits like Vendor Pay by Bill.com for simplified vendor payments & flexible buying power with expanded limits offered through Amex’s fixed-rate financing system.

WhatCard Recommendations:

• US Bank Visa Platinum Card – Best for Low APR Secured Card and Building Credit Score
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• US Bank Cash Plus Visa Signature Credit Card – Best for 0% Intro APR and Balance Transfer Credit Card