American Express Blue Business Cash Card Review
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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. After you pass that threshold, you’ll earn only 1% cash back. There’s a welcome offer and you get 0% APR on purchases for the first 12 months from date of account opening, which is great if you’re setting up an office. You get some benefits like extended warranty and purchase protection, making this a good choice for a small business. For businesses that spend more than $50,000, there are better options available. We dive into the details and your approval odds in this Amex Blue Business Cash review.
Welcome Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Our Rating
4.6/5.0
Welcome Offer
Earn a $250 statement credit
Annual Fee
No annual fee
0% Intro on Purchases
12 months from date of account opening
Reward Rate
1% – 2%
0% Intro on Balance Transfers
Welcome Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Emergency Travel Assistance, Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | No annual fee |
| Foreign Transaction Fee | 2.7% of each transaction after conversion to US dollars. |
| Regular APR | 17.74% - 25.74% (V) APR |
| Purchases | 0% Intro APR for 12 months on purchases, then 17.74% - 25.74% (V) APR after that. |
Insurance
Extended Warranty
When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company.
Purchase Protection
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company.
Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
What Credit Score Is Required to Get the The American Express Blue Business Cash™ Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 680
Average Approved Credit Score: 738
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 05/20/2023 | Not Provided | ||
| Approved | 08/23/2023 | Experian | ||
| Approved | 08/23/2023 | TransUnion | ||
| Approved | 08/23/2023 | Equifax | ||
| Approved | 09/12/2023 | Experian | ||
| Approved | 01/20/2024 | Experian | ||
| Approved | 01/20/2024 | Equifax | ||
| Approved | 01/20/2024 | TransUnion | ||
| Approved | 02/23/2023 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- Up to 2% cash back
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Ink Business Cash® Credit Card
Rating
4.8
Rewards Range
1%-5%
Annual Fee
$0
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
Capital One Spark Cash Select
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0
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To view rates and fees of the The American Express Blue Business Cash™ Card, see this page.