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  1. Credit Cards
  2. Blue Business Cash®
American Express

Blue Business Cash®

The American Express Blue Business Cash Card is built for small business owners who want simple, predictable rewards without paying an annual fee. It works best as an everyday card for managing routine business expenses up to a moderate annual budget.

Welcome Offer
$150
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Everyday small business spending
How to ApplyEstimate your value
Blue Business Cash®

All information about Blue Business Cash® has been collected independently by MaxRewards. Blue Business Cash® is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Blue Business Cash® worth it?

This card is great for...

Flat-rate business spending

Automated statement credits

Flexible purchasing limits

For businesses spending under $50,000 per year, this card provides strong value with minimal upkeep. Earning 2% cash back across all eligible purchases covers everything from inventory to office supplies without forcing you to track categories. The automatic statement credits simplify bookkeeping by directly reducing your balance each billing cycle. Higher-spending operations will hit the annual cap quickly and drop to a 1% earn rate, making a card with uncapped rewards a smarter choice for larger budgets. Additionally, a 2.7% foreign transaction fee makes this card poor for international business expenses.

MaxRewards

MaxRewards Verdict

This card is a great option for small business owners wanting effortless 2% cash back with no annual fee. Companies spending more than $50,000 annually or conducting business overseas will find better value elsewhere.

Welcome Offer

$150

after you spend $5,000 on purchases on your new card in your first 3 months of card membership.

Est. Value

$150

Required Spend

$5,000

Time Frame

3 Months

Est. Value

$150

Required Spend

$5,000

Time Frame

3 Months

Earning

Rewards

The card offers a flat cash-back structure that deposits your earnings directly onto your monthly statement.

CategoryRate

All

Up to $50,000 spend per year

2%

Everywhere

1%

Annual Credits & Perks

Benefits

Even without an annual fee, you get essential purchase protections and tools to manage larger business transactions.

BenefitAnnual value
$250

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Blue Business Cash®Venue Collection
Autotracked
$0 of $250Every 12 months

Benefits

Insurance

Car Rental Loss and Damage Insurance

When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.


Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.


Purchase Protection

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.


Premium Car Rental Protection

Enroll your eligible Card today in Premium Car Rental Protection, and you can enjoy the flexibility of two different car rental insurance plans all while helping you save on rental vehicle protection costs. When enrolled, you can receive primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage every time you rent an eligible vehicle using your Enrolled Card. Terms apply.

Benefits

Status & Access

Amex Special Ticket Access

Card Members have access to purchase Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Benefits

Other

Expanded Buying Power Feature

With Expanded Buying Power, you have the option to spend above your credit limit. The amount you spend above your credit limit is due in full each month as part of your minimum payment due. Terms apply.

Eligibility

Recommended Minimum Credit

Min: Excellent
Poor
Fair
Good
Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

16.99% - 28.74%

Variable

Foreign Transaction Fee

$0.027

Table of Contents

Blue Business Cash®

Blue Business Cash®

How to Apply

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards
Business PlatinumBusiness Platinum

250,000 Points

Worth $3,750

After you spend $20,000 on purchases on your new card in your first 3 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Car Rental (amextravel.com)
  • 2.25%7.5%Cruise (amextravel.com)

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

Amex PlatinumAmex Platinum

175,000 Points

Worth $2,625

After you spend $12,000 on purchases on your new card in your first 6 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Airline
  • 2.25%7.5%Car Rental (amextravel.com)

Annual Fee

$895

Rec. Credit

Excellent

View card details

Terms Apply.

Delta SkyMiles® Reserve BusinessDelta SkyMiles® Reserve Business

200,000 Skymiles

Worth $2,400

After you spend $20,000 on purchases on your new card in your first 6 months of card membership.

  • 2.25%3.6%Delta Air
  • 2.25%1.8%All
  • 2.25%1.2%Everywhere

Annual Fee

$650

Rec. Credit

Excellent

View card details

Terms Apply.