American Express Blue Business Cash Card Review

The card_name 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.

Our Rating
4.6/5.0

Welcome Offer
Earn a $250 statement credit

Annual Fee
No annual fee

0% on Purchases
12 months from date of account opening

Reward Rate
1% - 2%

0% on Balance Transfers
N/A

Welcome Offer

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

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

Rewards

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

Interest Rates & Fees

Annual FeeNo annual fee
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.
Regular APR18.49% - 26.49% (V) APR
Purchases0% Intro APR for 12 months on purchases, then 18.49% - 26.49% (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.

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 a number of factors in their underwriting process, and these factors can change at any time.

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

What Are the Best Alternatives?

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

Rating

4.9

Rewards Range

1%-5%

Annual Fee

$0

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card

Rating

4.9

Rewards Range

1.5%

Annual Fee

$0

Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit

Rating

4.7

Rewards Range

1.5% - 5%

Annual Fee

$0

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