The American Express Blue Business Cash® Card Review
The American Express Blue Business Cash® Card is the cashback companion to The Blue Business® Plus Credit Card from American Express. While The American Express Blue Business Cash® Card earns 2% cash back on all eligible purchases up to $50,000 per calendar year, The Blue Business® Plus Credit Card from American Express earns 2x Membership Rewards on all eligible purchases up to $50,000 per calendar year (1x per dollar thereafter). We will look at the welcome offer, earning structure, card perks and share our overall thoughts in this review of The American Express Blue Business Cash® Card.
Current American Express Blue Business Cash® Card Welcome Offer
Currently, The American Express Blue Business Cash® Card has a welcome offer of:
- As High As a $500 statement credit after you spend $5,000 in purchases on your new card within the first 3 months of card membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
- Apply to know if you’re approved with no personal or business credit score impact. (If you are approved and choose to accept the card, your personal and business credit scores may be impacted.)
- The card has no annual fee. See Rates and Fees.
American Express Blue Business Cash® Earning Rates
The American Express Blue Business Cash® Card has the following earning rates:
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year
- Earn 1% thereafter.
- Cash back earned is automatically credited to your statement.
American Express Application Rules
If you want a full overview of the American Express application rules then be sure to check out our guide on all issuers. We will highlight some of the bigger ones here.
- Amex has a once per lifetime welcome offer restriction (outside of targeted no lifetime language offers of which this is not one).
- American Express defines once per lifetime loosely and it is in effect 5-7 years.
- This is since you last held the card, NOT when you last earned a welcome offer. So upgrades and downgrades count against you too.
- American Express only allows you to have 5 of their credit cards at one time.
- Cards without a finite limit do not count against this rule and have their own, and separate, 10 card limit.
- Amex has a 2/90 rule, where it will not approve you for more than two Amex cards during a 90-day period.
- American Express may deny you a welcome offer for any reason but will inform you of that before performing your credit with a pop-up window telling you are not eligible for this offer
The American Express Blue Business Cash® Card Review: Card Perks
The American Express Blue Business Cash® Card doesn’t come with a ton of card perks, which isn’t surprising on a no annual fee cashback card. You can add up to 99 employee cards at no fee which could be useful to some businesses. You will also get up to one year in extended warranty on some purchases with the card.
ToP Analysis
The American Express Blue Business Cash® Card is a strong everyday cash back business card. 2% cash back on every eligible purchase on up to $50,000 per calendar year makes this card comparable to other cash back cards. Although it is possible to get a similar return elsewhere without the $50K cap each year. However, some businesses may overlook that for the simplicity of getting 2% cash back everywhere. The Amex Blue Business Cash card offers limited benefits and perks which will be a downside for some as well.
The American Express Blue Business Cash® Card Review: ToP Thoughts
The American Express Blue Business Cash® Card a good everyday cash back option. It earns 2% on every purchase on up to $50,000 per calendar year and does not have an annual fee. That will be good enough for many. What do you think about The American Express Blue Business Cash® Card? Join the discussion in our Facebook group!
