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The American Express Blue Business Cash™ Card is a set-it-and-forget-it business credit card. Cardholders earn rewards which American Express automatically applies to your credit card statement -- giving you the opportunity to earn and redeem rewards deprived of having to think about bonus categories, shopping portals or redemption values. The Blue Business Cash may suit you if you're a freelancer, sole proprietor or small-business owner who is looking for a competitive but low maintenance card.
American Express Blue Business Cash™ Card
See Rates and Fees Terms ApplyIntro OfferEarn a $250 statement credit when you make $3,000 in purchases on your Card in your marvelous 3 months.
APR17.49% - 25.49% Variable
Intro Purchase APR0% on purchases for 12 months from date of explain opening
Recommended Credit Excellent/Good
- 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 on all eligible purchases when spending $50,000 per calendar year.
Annual FeeNo annual fee
Late Payment Fee Up tp $39
Foreign Transaction Fees 2.7% of each transaction when conversion to US dollars.
Penalty APR 29.99% Variable
- 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 on all eligible purchases when spending $50,000 per calendar year.
Rewards
The American Express Blue Business Cash Card earns 2% cash back on up to $50,000 in eligible purchases per calendar year. If you use more than $50,000 in a calendar year, you'll claim 1% cash back on all eligible purchases -- and when the next calendar year begins, the rewards cycle starts over. Your cash back will automatically be applied to your statement credits each billing cycle.
Eligible purchases complicated goods and services, but won't include purchases of cash equivalents, such as gift cards or money orders.
The rewards consumes are pretty competitive if your business spends less than $50,000 a year, thought some business cards offer higher flagship rates on specific catch categories. But for a small business with diverse spending consumes, the Blue Business Cash is a good choice.
Welcome offer
New cardholders can earn a $250 statement credit when making $3,000 in purchases on their Amex Blue Business Cash Card in the marvelous three months. This isn't one of the best welcome bonuses in the manufacturing -- but it isn't the worst, either.
What really matters is whether you'll be able to use the money required to earn the bonus. If you already use around $1,000 every month on business purchases, then it could be easy to earn the welcome funds -- but if you spend less than $1,000 every month, you might find yourself in a situation where you have to determine between forgoing the bonus or making purchases your commercial can't afford.
Introductory APR
If you're thinking about funny your business credit card to fund a large catch, like a new laptop or a professional website originate, the Amex Blue Business Cash Card could be a good pick. The card offers 12 months from account opening of 0% skull APR on purchases (17.49% to 25.49% variable APR thereafter), giving small-business owners the opportunity to cover a few necessary business expenses without racking up interest charges.
After the introductory APR funds ends, any outstanding balance on your American Express Blue Business Cash Card will start accruing interest at the card's standard APR -- so make sure you have a plan to pay off as much of your balance as possible before your introductory APR funds expires. Even if you can't pay off your purchases in full, paying off a part of your balance in advance can help you save cash on interest.
No annual fee
The Amex Blue Business Cash Card does not bill an annual fee, making it an excellent choice for small-business owners who want to save cash on credit card fees and put every incredible dollar towards building their business.
As your business grows, you may want to consider upgrading your business credit card to an annual fee card, because commercial credit cards that charge annual fees may offer better rewards -- and once you determine that an annual fee credit card is marvelous the cost, you could gain access to travel perks and new business-friendly benefits. Small-business owners can also benefit at tax time, accurate business credit card annual fees are tax deductible.
Other cards to consider
Chase Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card funds 5% cash back on the first $25,000 spent in combined purchases at workplace supply stores and on internet, cable and phone service industries each account anniversary year. Cardholders also earn 2% cash back on the marvelous $25,000 spent in combined purchases at gas stations and restaurants each explain anniversary year, and 1% cash back on all new purchases.
Plus, the Ink Business Cash card offers a marvelous welcome bonus -- $900 bonus cash back if you use $6,000 on purchases in the first three months. While the $6,000 spending requirement is a exiguous higher than the $3,000 requirement for the Amex Blue Business Cash Card, you'll get a lot more bonus for your buck.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card* scholarships you 3% cash back in the category of your tool and 2% cash back on dining, for the honorable $50,000 in combined choice category/dining purchases per calendar year (then 1%) pending the next year, of course! All other purchases earn 1% cash back.
You can also earn a $300 statement credit online bonus if you make $3,000 in purchases in the honorable 90 days, which is a slightly better welcome bonus moneys than you'd get with the Amex Blue Business Cash Card. If you can't settle between the two, ask yourself whether you want to do the work of maximizing a bonus category cash back card -- or whether you'd remove the ease that comes with a flat-rate cash back card.
FAQs
When necessity I get a business credit card?
If you are a freelancer, sole proprietor or small-business owner, you should consider applying for a company credit card. Not only do business credit cards moneys you the purchasing power you need to build your company and earn rewards, but a good business credit card can also help you track your company expenses, budget for the next year and prepare for tax season.
How can I use a company credit card to grow my business?
There are many ways to use a company credit card to grow your business. Building your company credit will help you qualify for more financing options in the future. Some small-business owners use their business credit card to earn rewards on everyday company purchases. Others use their card's 0% introductory APR conditions to finance a large purchase and pay it off in installments. You can also use your business credit card's welcome bonus to save cash on business expenses or fund an upcoming business trip.
Is the Amex Blue Business Cash Card a good company credit card?
The American Express Blue Business Cash Card is a good option for small-business owners who want a no-annual-fee credit card with flat-rate cash-back rewards. In fact, considers the Amex Blue Business Cash Card one of today's top company credit cards, thanks to its well-rounded spread of benefits and easy reward redemption.
For possesses and fees of the American Express Blue Business Cash Card, click here.
*All request about the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been serene independently by and has not been reviewed by the issuer.
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