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You are here: Home / Credit Cards / American Express Blue Business Cash Card Review

American Express Blue Business Cash Card Review

July 15, 2022 by Rob Berger

The American Express Blue Business Cash™ Card is a small business credit card ideal for businesses that spend up to $50,000 a year on a card. At that spend, you’ll earn 2% cash back. For businesses that spend more than that, there are better options available.

American Express Blue Business Cash™ Card
Learn More
Rates & Fees
Our Rating
4.6/5.0
Welcome Bonus
$250
Annual Fee
$0
0% on Purchases
12 Months
Rewards Rate
1% - 2%
0% on Balance Transfers
None

Rewards

2% cash back
All eligible purchases
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.
1% cash back
All eligible purchases
1% cash back after spending $50,000.

Earn $250 after spending $3,000 within your first 3 months.

Pros & Cons

Pros
  • Welcome bonus
  • No annual fee
  • Up to 2% cash back
Cons
  • Foreign transaction fee
  • Requires good credit

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksEmergency Travel Assistance, Roadside Assistance

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.
Regular APR15.49% - 23.49% Variable (V) APR

0% Intro APR

Purchases0% Intro APR for 12 months on purchases, then 15.49% - 23.49% Variable (V) APR after that.

What Credit Score is Required to Get the American Express Blue Business Cash™ Card

Based on data we’ve collected from public forums, a credit score of 750 or higher is ideal. We have seen an approval with a score as low as 727, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved12/02/2021
727
Experian
$10,000
Approved05/05/2021
757
TransUnion
$9,000
Approved05/05/2021
766
Experian
$9,000
Approved05/05/2021
777
Equifax
$9,000
Approved11/26/2021
755
Experian
$10,000
Approved04/04/2021
700
Experian
$2,000
Approved05/09/2021
759
TransUnion
$2,000
Approved05/09/2021
765
Equifax
$2,000
Approved05/09/2021
774
Experian
$2,000

What Are the Best Alternatives?

Chase Ink Business Cash® Credit Card
Chase Ink Business Cash® Credit Card

Rating

4.9

Rewards Range

1%-5%

Annual Fee

$0

Read Review
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card

Rating

4.9

Rewards Range

1.5%

Annual Fee

$0

Read Review
Capital One Spark Cash Select - $500 Cash Bonus
Capital One Spark Cash Select - $500 Cash Bonus

Rating

4.7

Rewards Range

1.5% - 5%

Annual Fee

$0

Read Review

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About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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