Best for business cash back with no annual fee
There’s no reason why you shouldn’t be using a credit card to maximize your business operating expenses, and the Amex Blue Business Cash will help you earn cash-back rewards effortlessly — and with no annual fee to pay year after year.
At a glance
- 2% Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- 1% 1% cash back on all eligible purchases after spending $50,000 per calendar year.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
At a glance
- 2% Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- 1% 1% cash back on all eligible purchases after spending $50,000 per calendar year.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Our Take
TPG Editor's Rating
Overview
Simplicity is the name of the game with the Amex Blue Business Cash. For small businesses who want to minimize additional expenses, the no-annual-fee Amex Blue Business Cash is a terrific option for 2% cash back earnings on all of your eligible purchases, up to the first $50,000 spent annually, then 1% cash back for all following purchases.
Pros
- 2% cash back on the first $50,000 eligible purchases each calendar year, then 1% cash back. Cash back earned is automatically credited to your statement
- No annual fee
Cons
- Only earns 1% after you spend more than $50,000 in a calendar year -- not ideal for businesses with lots of expenses
- Charges a foreign transaction fee
Who is this card good for?
The Amex Blue Business Cash Card is the perfect match for business owners who value simplicity, as you’ll earn cash back rather than travel rewards.
Earning Rewards
You’ll earn 2% cash back on all eligible purchases, up to $50,000 per calendar year, then 1% cash back.
Frequently asked questions
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Is the Amex Blue Business Cash Card worth it?
With no ongoing annual fee, you can focus on earning cash back on all of your purchases. Just know the 2% earning rate only applies to the first $50,000 spent each year, then 1% cash back for all following purchases. If you’re a business that spends significantly more than that, you may want to consider other options.
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How long does it take to get the Amex Blue Business Cash Card?
You should receive your new card in seven to 10 days after approval. You’ll find your new card in a white envelope that has the American Express logo with an Omaha, Neb. return address.