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The American Express Blue Business Cash™ Card is a great option for the business traveler. It offers 2,500 bonus points and no annual fee. Plus it can be used anywhere Amex credit cards are accepted!
The “american express blue business cash credit limit” is a card that comes with no annual fee. This card has a $0 annual fee and the interest rate is 0% for purchases. The downside to this card is that it doesn’t have an introductory APR offer.
The American Express Blue Business CashTM Card gives you more purchasing power and allows you to go over your credit limit. The amount varies depending on your spending habits, payment history, credit score, and financial means. This credit card for small businesses also gives cash back benefits on all business-related expenditures, independent of spending categories.
The American Express Blue Business CashTM Card is a credit card issued by American Express.
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
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on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.
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Intro APR
Purchases are tax-free.
APR on a regular basis
Variable 13.49 percent – 21.49 percent
Credit is required.
Good, Excellent
- After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
- Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
- Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Increased Purchasing Power, you have the ability to spend over your credit limit.
- Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
- For the first 12 months after account creation, you’ll get a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
- There is There is no yearly charge..
- Terms and Conditions apply.
Pros
- Introductory APR of 0%
- Bonus for new customers
- Rewards at a certain rate
- There is There is no yearly charge..
Cons
- It is not possible to get a cash advance.
- Charges fees for international transactions.
- A total of $50,000 in yearly expenditure is restricted at 2% cash back.
- Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
- Loss and Damage Insurance for Car Rentals: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.
Intro APR
Purchases are tax-free.
APR on a regular basis
Variable 13.49 percent – 21.49 percent
Credit is required.
Good, Excellent
- After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
- Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
- Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Increased Purchasing Power, you have the ability to spend over your credit limit.
- Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
- For the first 12 months after account creation, you’ll get a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
- There is There is no yearly charge..
- Terms and Conditions apply.
Pros
- Introductory APR of 0%
- Bonus for new customers
- Rewards at a certain rate
- There is There is no yearly charge..
Cons
- It is not possible to get a cash advance.
- Charges fees for international transactions.
- A total of $50,000 in yearly expenditure is restricted at 2% cash back.
- Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
- Loss and Damage Insurance for Car Rentals: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.
Do you want to compare the attributes of two cards? We’ve made it simple for you to do so! To add up to three cards to your basket, just check them off on this page. You’ll be able to compare the information in a side-by-side comparison this way.
How Do We Determine Which Cash Back Business Credit Cards Are Best?
We look at the continuing benefits first when rating fixed-rate cash back business credit cards like the American Express Blue Business CashTM Card. The second-most important component is the initial prizes. Annual fees, introductory and continuing annual percentage rates (APRs), and other features are also considered.
Who Should Use the American Express Blue Business CashTM Card?
- Those that don’t wish to keep track of their expenditure categories include: The Rewards with the American Express Blue Business CashTM Card all qualifying purchases at a flat rate, regardless of category.
- Owners of small businesses who desire to get incentives in the form of a statement credit should: Your statement will be instantly credited with the cash back as a rebate.
- Owners of businesses that could go over their credit limit include: With its increased purchasing power function, you can spend more than your credit limit. Your purchasing power fluctuates based on your card use, payment history, credit history, financial resources, and other variables.
Fees on the American Express Blue Business CashTM Card
- Introductory APR: Purchases are tax-free. for the first 12 months
- Ongoing Annual Percentage Rate (APR): 13.49 percent to 21.49 percent variable, based on prime rate.
- There is no yearly charge.
- Balance transfer fee: Either $5 or 3% of the transferred amount, whichever is higher.
- Fee for international transactions: 2.7 percent
- Fee for cash advances: Cash advances are not permitted.
Rewards with the American Express Blue Business CashTM Card
- 2 percent cash back on all qualified purchases up to $50,000 per calendar year, after which your statement will be automatically credited with 1 percent cash back earned.
- After you spend $3,000 on your card in the first three months, you’ll get a $250 statement credit.
Features of the American Express Blue Business CashTM Card
Increased Purchasing Power
This American Express business credit card allows you to go over your credit limit through the Increased Purchasing Power feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
Purchase Insurance
The American Express Blue Business CashTM Card offers Purchase Insurance that covers new purchases from damage or theft for up to 90 days from the purchase date. This coverage is limited to $1,000 per occurrence and $50,000 per cardholder per year. Only items that were purchased using your American Express business credit card are eligible for this coverage.
Protection under the Extended Warranty
The American Express Blue Business CashTM Card provides Protection under the Extended Warranty on original manufacturer’s warranties of up to five years. American Express offers up to an additional year of coverage, limited to $10,000 per item. Perishable items, motorized vehicles, animals, living plants, business fixtures, real estate, and items purchased for inventory are excluded from this coverage.
Loss and Damage Insurance for Car Rentals
Damage to or theft of a rental vehicle is covered by American Express automobile rental insurance up to $75,000 per rental agreement. This insurance is only valid for the first 30 days of a vehicle rental company’s service. The cardholder as well as any extra drivers allowed under the rental agreement are protected.
The Global Assist Hotline is available 24 hours a day, 7 days a
American Express Blue Business CashTM Card users can access the 24-hour The Global Assist Hotline is available 24 hours a day, 7 days a when traveling more than 100 miles from home. This hotline can connect you to travel, emergency, medical, and legal assistance. The cardholders are responsible for any fees charged by third-party service providers.
Pros & Cons Explained
The Benefits of Having an American Express Blue Business CashTM Card
- Introductory APR of 0%: You can enjoy interest-free financing for 12 months from the date of opening an account.
- Sign-up bonus: Spend $3,000 on purchases within the first three months after establishing an account to get a $250 statement credit.
- Fixed-rate rewards: This business credit card gives 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back sent to your account automatically.
- There is There is no yearly charge..: You can enjoy cash back rewards without having to pay an annual fee—this can help minimize your overall cost.
Contrary to popular belief, the American Express Blue Business CashTM Card has several drawbacks.
- Cash advances are not permitted: The American Express Blue Business CashTM Card does not permit cash advances, which is a drawback if you require one on a regular basis.
- Charges fees for international transactions.: This American Express credit card charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars. This is a drawback if you travel frequently and need to make purchases outside of the United States.
- A total of $50,000 in yearly expenditure is restricted at 2% cash back.: The premium cash back reward of 2% on all eligible purchases is capped at $50,000 per calendar year. Purchases in excess of $50,000 within a year will earn only 1% cash back.
Alternatives to the American Express Blue Business CashTM Card
Credit Card Chase Ink Business Cash®
For office-based organizations looking to earn top cash back benefits, the Chase Ink Business Cash® card is a great option. Each year, you may get 5% cash back on your first $25,000 spend at office supply retailers and on internet, cable, and phone services, followed by 1% after that. When you spend $7,500 on purchases in the first three months after creating an account, you’ll get a $750 cash back incentive.
Credit Card Ink Business Cash®
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Businesses that are headquartered in an office and wish to earn a lot of money back
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Chase’s Protected Website
Compare with
Intro APR
Introductory APR of Purchases are tax-free.
APR on a regular basis
Variable 13.24 percent – 19.24 percent
- After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
- Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
- Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- There is There is no yearly charge..
- With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
- On purchases, there is a 0% introductory APR for the first 12 months.
Pros
- Spending on office supplies reaps the most benefits.
- On purchases, there is an introductory APR.
- Sign-up bonus in cash
Cons
- Balance transfers are not eligible for the 0% APR.
- A 5% balance transfer fee is charged.
- Designed mostly for office-based businesses.
- When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
- Purchase Insurance: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.
Intro APR
Introductory APR of Purchases are tax-free.
APR on a regular basis
Variable 13.24 percent – 19.24 percent
Credit is required.
Good, Excellent
- After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
- Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
- Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- There is There is no yearly charge..
- With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
- On purchases, there is a 0% introductory APR for the first 12 months.
Pros
- Spending on office supplies reaps the most benefits.
- On purchases, there is an introductory APR.
- Sign-up bonus in cash
Cons
- Balance transfers are not eligible for the 0% APR.
- A 5% balance transfer fee is charged.
- Designed mostly for office-based businesses.
- When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
- Purchase Insurance: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Protection under the Extended Warranty: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.
Capital One® Spark® Cash Plus is a credit card offered by Capital One®.
If you have excellent credit and can pay your balance in full every month, consider the Capital One® Spark® Cash Plus is a credit card offered by Capital One®. card. This pay-in-full card offers unlimited 2% cash back rewards on all business-related purchases. It doesn’t have preset spending limits—your credit limit adapts to your needs based on your spending behavior, payment history, and credit profile.
Capital One® Spark® Cash Plus is a credit card offered by Capital One®. Card
Businesses that seek buying power and the ability to pay off their debts in full each month.
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APR on a regular basis
None. Because your debt is payable in whole every month, there is no APR. Otherwise, you’ll be charged a monthly late fee of 2.99 percent.
- Earn an unlimited 2% cash back for your company on every transaction, anywhere, with no limitations or restrictions on categories.
- In the first six months, you may earn up to $1,000; $500 if you spend $5,000 in the first three months, and $500 if you spend $50,000 in the first six months.
- Every year you spend $200,000 or more, you’ll get a $200 cash bonus.
Pros
- There is no predetermined spending limit.
- Bonus money of up to $1,000
- On all purchases, you’ll get a flat rate of 2% cash back.
- Possibility of receiving a yearly cash bonus
Cons
- An yearly charge is required.
- Every month, you must pay in full.
- Excellent credit is required.
- Foreign transaction fees are not charged on purchases made outside of the United States.
- $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance
- Emergency services such as jump-starting, tire replacement, and towing are provided by roadside help.
APR on a regular basis
None. Because your debt is payable in whole every month, there is no APR. Otherwise, you’ll be charged a monthly late fee of 2.99 percent.
- Earn an unlimited 2% cash back for your company on every transaction, anywhere, with no limitations or restrictions on categories.
- In the first six months, you may earn up to $1,000; $500 if you spend $5,000 in the first three months, and $500 if you spend $50,000 in the first six months.
- Every year you spend $200,000 or more, you’ll get a $200 cash bonus.
Pros
- There is no predetermined spending limit.
- Bonus money of up to $1,000
- On all purchases, you’ll get a flat rate of 2% cash back.
- Possibility of receiving a yearly cash bonus
Cons
- An yearly charge is required.
- Every month, you must pay in full.
- Excellent credit is required.
- Foreign transaction fees are not charged on purchases made outside of the United States.
- $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance
- Emergency services such as jump-starting, tire replacement, and towing are provided by roadside help.
Business Preferred® by Chase Ink
The Business Preferred® by Chase Ink is a good option for business owners who prefer a travel rewards credit card. Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®. This small business credit card also offers zero foreign transaction fees—an ideal alternative for those who need to make purchases outside of the United States.
Credit Card Ink Business Preferred®
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Getting the most out of your travel rewards while paying a smaller annual charge
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Chase’s Protected Website
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APR on a regular basis
Variable between 15.99 and 20.99 percent
- Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
- Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
- When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
- Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Possibility of increasing the value of award points
- Provides mobile phone insurance as well as trip cancellation insurance.
Cons
- Doesn’t provide a term of interest-free credit.
- An yearly fee is charged.
- When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
- You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
- If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.
APR on a regular basis
Variable between 15.99 and 20.99 percent
Credit is required.
Good, Excellent
- Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
- Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
- When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
- Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Possibility of increasing the value of award points
- Provides mobile phone insurance as well as trip cancellation insurance.
Cons
- Doesn’t provide a term of interest-free credit.
- An yearly fee is charged.
- When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
- You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
- If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.
Conclusion
The American Express Blue Business CashTM Card is best for business owners who want a credit card that offers fixed-rate cash back rewards on all purchases with There is There is no yearly charge… This is also a great option for those who need flexible buying power. If this card isn’t right for you, check out our credit card marketplace to find another card that may be a better fit.
The “american express blue business cash card eligible purchases” is a credit card that offers rewards for the purchase of certain items. The card has no annual fee, and the rewards are redeemable in the form of gift cards.
Frequently Asked Questions
What credit score is needed for the American Express blue business cash card?
A: The American Express Business credit card requires a score of 680 or higher.
Is the American Express Blue Business Card worth it?
A: The American Express Blue Business Card is a premium credit card that comes with travel protections, such as accident insurance. However, these benefits are available only to members who have an Amex Gold or Platinum card and not the Blue Business Card.
Does Amex blue business cash report to credit bureaus?
A: Yes, Amex blue business cash reports to credit bureaus. This can be checked by pulling your Experian report or Equifax report and checking the section entitled Credit Inquiries.
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