The American Express Blue Business Cash™ Card Review

Last Updated on May 13, 2026

Offer Rating

5.0/5

By Our Content Team

EDITOR

The American Express Blue Business Cash™ Card shines bright as an option for business owners with a lot of expenses. Whether you're starting your business journey or are well-established, this card from our partner American Express is worth looking into.

Jump to Full Review ↓

Rates & Fees

The American Express Blue Business Cash™ Card

5.0 BCC Score

Apply Now

on American Express' secure site

Welcome Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Rewards Rate

Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.

Intro APR

0% on purchases for 12 months from date of account opening and N/A, then 16.74% - 26.74% Variable

Annual Fee

No annual fee

Credit Score Needed

Good, Excellent

Card Brand

AMEX

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. 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.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee

Pros

Generous cash rewards rate
Intro APR period on purchases
No annual fee

Cons

There is a yearly cap on the 2% cash back rewards rate
Requires good/excellent credit

OUR EXPERT REVIEW

Why We Like It

Turn your everyday business purchases into cash back with The 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. This popular no annual fee card from our partner American Express also offers 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. For business owners with lots of expenses, that could turn into hundreds or even thousands of dollars added to your bottom line each month.

In addition to the generous cash rewards, The American Express Blue Business Cash™ Card comes with no annual fee and cardholders will enjoy a lengthy intro APR of 0% on purchases for 12 months from date of account opening. That year-long period of 0% interest could be a lifesaver if you need the flexibility to make business purchases today and pay them off interest free over time. After the intro period is up, the ongoing APR will be 16.74% - 26.74% Variable.