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American Express Blue Business Cash™ Card Review
Earn 2% cash back on the first $50,000 in spend per calendar year on eligible purchases, then 1x after. Terms apply.
By Sebastian F.|Updated on 11/29/2022
Back
The American Express Blue Business Cash™ Card is a good no-annual fee “catch-all” cash back credit card for small businesses or startups.
American Express Blue Business Cash™ Card
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
A straight-forward business credit card that earns 2% cash back on the first $50k on eligible purchases each calendar year, and then 1% cash back thereafter.
Point Multipliers
The Blue Business Cash earns 2% cash back on the first $50,000 in spend per calendar year on eligible purchases. After the first $50,000, it earns 1% back. Terms apply.
Optimal Strategy
This card is a great catch-all option if you have lower spending. There are better options if you intend to spend more than $50,000.
Redeeming Cash Back
The Blue Business Cash earns cash back and can NOT be transferred to Membership Rewards (MR) points.
Alternatives
If you want to earn MR points, The Blue Business® Plus Credit Card from American Express offers similar benefits but earns 2X MR instead of 2% cash back.
The Capital One Spark Cash Plus might be a better fit if you have high spending. It earns 2% on everything, uncapped, but has an annual fee.
The Blue Business® Plus Credit Card from American Express
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
The Blue Business Plus is a great option if you're looking for a catch-all business card and you're not planning to spend more than $50,000 on the card.
Capital One Spark Cash Plus
$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
If you are a business owner with strong credit who travels frequently and doesn't mind paying a higher annual fee, the Capital One Spark Cash Plus Card may be a good choice. This card has a $150 annual fee, which is higher than some similar cards, but the rewards you can earn can make it worthwhile for travelers.
Main Takeaway
The Blue Business Cash is a good option for businesses that spend less than $50,000 per year on the card and are focused on cash back rather than points.
For rates and fees of The Blue Business Cash Card, please click here.