Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
The American Express Blue Business Cash™ Card is a good choice for small business owners looking for a card that earns 2% cash back with no annual fee. (See Rates and Fees)
When you use the Amex Blue Business Cash, you will earn 2% cash back on all eligible purchases on up to $50,000 of purchases each year, then 1%. Cash back is automatically credited to your statement in the month in which you receive it.
You’ll get a handful of benefits with the American Express Blue Business Cash, including extended warranty, purchase protection, and secondary car rental loss and damage insurance. As an Amex card, you’ll also get access to Amex Offers, card offers that can give you a substantial discounts at specialty merchants.
American Express Blue Business Cash™ Card at a glance
Rewards
| Purchases on up to $50,000 of purchases per year | 2% | |
| Other purchases | 1% |
Rewards are earned as cash back.
Benefits
| Consumer insurance benefits Extended Warranty. Purchase Protection. | |
| Travel insurance benefits Car Rental Loss and Damage Insurance | |
| Helpful features Amex Offers. |
Terms
| Fees: Annual fee: annual_fees Foreign transaction fee: foreign_transaction_fee | |
| Rates: Intro APR (purchases): intro_apr_rate,intro_apr_duration Regular APR: reg_apr,reg_apr_type |
American Express Blue Business Cash™ Card new cardmember welcome bonus
card_name welcome bonus:
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See Rates and Fees
Click here to learn more and apply.
Our take on the welcome bonus: The current offer is the best offer generally available on this card, but you might be able to get a better offer through a referral link.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
American Express Blue Business Cash™ Card at a glance:
Annual fee: $0
Rewards: 2% cash back on eligible purchases on up to $50,000 per calendar year. 1% thereafter.
Benefits: Extended warranty. Purchase protection. Secondary car rental loss and damage insurance.
Our take on the American Express Blue Business Cash™ Card
- Decent choice for small business owners who spend less than $50k/year.
- Offers basic consumer protection benefits like extended warranty and purchase protection.
- Small business owners who spend more will likely want to pick a different card.
There are plenty of consumer cards that offer you 2% cash back on all purchases, but The American Express Blue Business Cash™ Card caps 2% earnings at $50,000 in purchases each year. If you are a small business owner who wants a card that offers Amex purchase protection and Amex extended warranty for no annual fee, the American Express Blue Business Cash™ Card might make sense.
However, if you spend much more than $50,000/year for your small business, you’re likely going to want a different card that earns better rewards. You’ll earn more total rewards with the Ink Business Unlimited® Credit Card once you spend $100,000 in a year. Then again, at that point you’re probably better off paying an annual fee for a card like the Ink Business Premier® Credit Card or the Capital One Spark Cash Plus.
Pros
- No annual fee.
- Includes Amex purchase protection and Amex extended warranty.
Cons
- Very limited set of benefits.
- Cap on 2% rewards—purchases over $50k/year earn 1% cash back.
American Express Blue Business Cash™ Card rewards
The American Express Blue Business Cash™ Card offers simple cash back rewards. You’ll get 2% on eligible purchases until you spend $50,000 each calendar year, then 1%.
| 2% | All eligible purchases, on up to $50,000 in purchases per calendar year. | |
| 1% | Other purchases. |
Benefits of the American Express Blue Business Cash™ Card
In addition to 2% rewards on up to $50,000 of purchases each year, The American Express Blue Business Cash™ Card offers a handful of benefits that are useful to small business owners.
Consumer insurance benefits
Many cards offer consumer insurance benefits that can protect the things you buy. Here are the consumer insurance benefits offered by American Express Blue Business Cash™ Card. Terms and restrictions apply to all benefits.
Purchase protection protects the things you buy with your card from damage or theft for a certain amount of time after you buy them. Amex purchase protection covers your new purchases for 90 days against damage or theft up to $1,000 per covered purchase and up to $50,000 per eligible card.
Extended warranty provides additional warranty coverage on items you purchase with your card. Amex extended warranty protection extends the time period of the U.S. manufacturer’s warranty by up to an additional year, on original manufacturer’s warranties of five years or less.
Travel insurance benefits
Cards targeted toward travelers often offer travel insurance benefits that can protect you when you are traveling away from home. Terms and restrictions apply to all benefits.
Car rental loss and damage insurance protects you against damage to or theft of your rental vehicle. For coverage to apply, you need to reserve and pay for your vehicle using your card and decline your car rental company’s collision damage waiver. The coverage provided by your American Express Blue Business Cash™ Card is secondary to your personal auto insurance.
Statement credits and partner offers
Amex Offers – American Express cardmembers receive targeted merchant-specific deals through Amex Offers. These targeted offers are offered in partnership with merchants and range in value from a marginal amount of to rebates upwards of 25%. Enrollment is required to take advantage of an Amex Offer.
Who is American Express Blue Business Cash™ Card best for?
Small business owners who want simple cash back rewards and who do not spend much will benefit most from the American Express Blue Business Cash™ Card. Here’s who should strongly consider this card:
- Small business owners who spend less than $50k/year. After you spend $50k in a calendar year, the Blue Business Cash earns only 1% rewards. That’s fine if you don’t spend much for your small business, but this dramatically reduces the card’s value for high-spending small business owners.
- Business owners who want Amex purchase protection and extended warranty. Amex has a reputation for providing much better service when you need to make a claim on its consumer and travel insurance benefits than what you’ll get with other cards. Putting your purchases of durable goods on your Blue Business Cash card may pay off if you ever need to make an extended warranty claim.
Alternatives to the American Express Blue Business Cash™ Card
You’re likely looking at The American Express Blue Business Cash™ Card because you want a flat rate of rewards and value cash back. Here are a few other cards to consider as a small business owner.
- The Ink Business Premier® Credit Card has a $195 annual fee, but offers a flat 2% rate of cash back on most purchases, plus 2.5% cash back on purchases of $5,000 or more. It’s a good choice if you spend a lot more than $50k/year for your business, and a stellar option if you frequently make payments of more than $5,000 using a credit card.
- The The Blue Business® Plus Credit Card from American Express is a decent alternative card that will earn 2x Membership Rewards® on the first $50k you spend, with no annual fee.
- The Capital One Spark Cash Plus is another card offering 2% cash back rewards. The card has an annual fee of $150 and is best suited for small business owners who spend a lot on their cards. You’ll get that card’s annual fee refunded each year when you spend at least $150,000 on the card.
American Express Disclosures
- For rates and fees of the American Express Blue Business Cash™ Card, please visit this link: See Rates and Fees
- For rates and fees of the The Blue Business® Plus Credit Card from American Express, please visit this link: See Rates and Fees
Amex Extended Warranty benefit disclosure: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Basic Purchase Protection benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Basic Car Rental Loss and Damage Insurance disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
