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Offers for the American Express Blue Business Cash™ Card, SimplyCash® Plus Business Credit Card from American Express and The Blue Business® Plus Credit Card from American Express are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Some offers may have expired. Please see our card marketplace for available offers.
American Express recently announced a new addition to its business card lineup, unveiling the American Express Blue Business Cash™ Card. Replacing the Amex SimplyCash Plus, the Blue Business Cash is essentially the cashback twin of The Blue Business® Plus Credit Card from American Express, earning 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. The card charges no annual fee and includes a generous Intro APR on purchases.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
Earn 2% Cash Back on up to $50,000 per Year With No Annual Fee
The headline benefit of the Blue Business Cash is the ability to earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. The $50K spending cap is low by traditional business standards. But, considering the lack of an annual fee, an extra $1,000 cashback on expenses every year will be attractive to many small business owners.
For small companies that have diverse expenses, a great earning rate without having to worry about spending in the right category keeps things simple. Much like its Membership Rewards earning twin, the Blue Business Plus, you can move expenses to any card that beats the base 1% return after you reach the annual spending cap.
0% Intro APR on Purchases
The Blue Business Cash is a great low-cost method of financing major business purchases that are too large to pay down the full balance by the end of the month. New cardmembers get an intro APR of 0% on purchases for 12 months, then a variable APR of 13.24% - 19.24% . You must pay off the entire balance before your promotional APR ends to avoid paying interest on purchases.
Spend Above Your Credit Limit
Unique to American Express business cards is the capacity to spend above your credit limit without paying over-limit fees, plus you still collect cashback on the full amount spent, even the portion spent over your credit limit. The degree to which you can exceed your credit limit is determined by multiple factors, including your purchase, payment, and credit history. The total amount spent above your credit limit is due in full each month as part of your minimum payment.
Additional Card Benefits
The Blue Business Cash doesn’t come with the long list of benefits offered by some of its premium stablemates, but you do receive some basic business perks, plus travel and purchase protections which include:
- Access to the Amex Offers program
- Car rental loss and damage insurance (secondary)
- Extended warranty coverage
- Purchase protection (90 days)
Application Restrictions and Strategy
Without a traditional welcome bonus, would-be cardholders don’t need to worry about Amex’s application restrictions limiting approvals to folks who haven’t had the card in the past. However, you still need to be aware of other applicable rules for American Express cards:
- You can hold a maximum of five American Express credit cards (doesn’t include charge cards).
- You will be approved for a maximum of two Amex credit cards in 90 days.
On a positive note, this card doesn’t increase your 5/24 count with Chase so you can add this card to your wallet without it affecting your ability to apply for Chase cards in the future.
Where do we see this card fitting into your rewards strategy? If you are a small business owner interested primarily in cashback rewards, this card will make a great addition to your wallet. However, if your non-bonus business spending is higher than $50,000 per year, you’ll likely get more value from the Capital One® Spark® Cash for Business. While the card charges an annual fee of $0 intro for first year; $95 after that, the 2% cashback earned on this card is uncapped. Plus, you receive a $500 welcome bonus; $500 cash bonus when you spend $4,500 on purchases within 3 months from account opening.
- $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
- 2% cash back for your business on every purchase, everywhere
- No foreign transaction fees
- $0 intro for first year; $95 after that
- 2 % Cash Back for your business on every purchase, everywhere.
While it’s not the most lucrative of Amex's roster of business rewards cards, the Blue Business Cash can play a stellar supporting role as part of a wider rewards strategy, or make a great cashback card for businesses with less than $50,000 in chargeable expenses each year. You pay no annual fee , get 2% back on every purchase up to the $50K spending cap, and receive a top intro APR on purchases.
If you prefer earning travel rewards over cashback, we still see the Blue Business Plus as the card to beat in this space, providing the best return on non-bonus expenses and earning transferable Membership Rewards points. While cashback clearly has the edge in simplicity, savvy points collectors can easily get a value of two cents or more when transferring Membership Rewards to partner programs, so the Blue Business Plus will be a better value for those who use rewards primarily for travel.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
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