April 7, 2025: The American Express Blue Business Cash™ Card offers a statement credit as a welcome offer for new cardmembers. Here’s everything you need to know about how to earn a new cardmember offer in the Blue Business Cash.
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Best public welcome offer: Statement credit
Annual fee: annual_fees
(See Rates and Fees)
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as a statement credit.
Are you eligible to earn the bonus?
With most cards, including The American Express Blue Business Cash™ Card, you are not eligible to earn the bonus if you’ve ever had the card before. This includes any previous versions of the Blue Business Cash. This restrictive language has been known to be excluded in some “no lifetime language” offers, but these are usually targeted. We’ll republish this article if such no lifetime language articles ever become available again.
While this rule doesn’t seem to leave much to interpretation, Amex is known to allow you to earn a welcome bonus if it’s been a long time—usually around seven years—since you’ve had the card. Ultimately, whether you are eligible for the bonus is up to American Express.
Fortunately, American Express will tell you during the application process whether you’ll qualify to earn the bonus. If Amex determines that you are ineligible, you can withdraw your application with no harm to your credit score.
About the American Express Blue Business Cash™ Card
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 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™ Card, 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.
For more on the American Express Blue Business Cash™ Card, check out our card overview of the American Express Blue Business Cash™ Card.
My take: Good small business card, but bonus is mediocre
I wouldn’t pick up this card solely for the welcome bonus. You can get welcome bonuses that require much less spending and much larger welcome bonuses elsewhere. Still, if you have a need for 2% cash back for your business on a limited amount of spending, the welcome bonus on this card is a nice perk.
Amex has recently started adding family language to its welcome bonus terms. Some cards won’t let you earn a welcome bonus if you’ve had that card or a related card previously. It’s worth noting that getting this welcome bonus will not exclude you from getting the bonus on The Blue Business® Plus Credit Card from American Express.
While Amex frequently changes the welcome offers available on some of its cards, the welcome bonus on the American Express Blue Business Cash™ Card has remained unchanged for quite some time. You’re unlikely to get a larger bonus by waiting.
If this card makes sense for you, there’s no need to wait, but there are other cards that have more compelling welcome offers.
Bottom line: Relatively easy bonus for small business owners
Amex doesn’t often change up the publicly available bonus on this card—generally, you’ll only be able to get a larger bonus if you are targeted by Amex. If getting 2% cash back on a relatively small amount of small business spending is appealing to you, there’s little reason to wait for a better bonus on this card.
American Express Disclosures
- For rates and fees of the American Express Blue Business Cash™ Card, 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 Purchase Protection (standard) 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 Car Rental Loss and Damage Insurance (standard) 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.
