American Express Blue Business Cash™ Card Review
The American Express Blue Business Cash™ Card card is the cashback companion to the The Blue Business® Plus Credit Card from American Express card. While the Amex Blue Business Cash card earns 2% cash back on all purchases up to $50,000 per calendar year, the Amex Blue Business Plus card earns 2x Membership Rewards on all purchases up to $50,000 per calendar year. We will look at the welcome offer, earning structure, card perks and share our overall thoughts in this American Express Blue Business Cash™ Card Review.
Current Blue Business Cash Welcome Offer
Currently, the Amex Blue Business Cash has a welcome offer of:
- Earn $250 cash back after spending $3,000 in purchases within the first 3 months. Terms Apply.(Rates & Fees)
- The card has no annual fee
Note: there have been $500 back after spending $15,000 within 12 month targeted offers in the past on this card.
Blue Biz Cash Earning Rates
The Amex Blue Business Cash card has the following earning rates:
- Earns 2% cash back on all eligible purchases on up to $50,000 per calendar year.
- It earns 1% cash back on all other purchases thereafter.
- Amex cash back does not convert into Membership Rewards points.
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
American Express Blue Business Cash™ Card Review: Card Perks
The Amex Blue Business Cash 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
American Express Blue Business Cash card is a strong everyday cash back business card. 2% cash back on every 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.
The welcome offer isn’t great, at only $250. Some businesses may overlook at 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.
American Express Blue Business Cash™ Card Review: ToP Thoughts
The Amex Blue Business Cash card is 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. While we wish the welcome offer was a bit higher, $250 is still decent for a no fee card.
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