The American Express Blue Business Cash^® Card Review

Last Updated on October 13, 2026

Offer Rating

5/ 5

By Our Content Team

The American Express Blue Business Cash^® Card shines bright as an option for business owners with a lot of expenses. Whether you're starting your business journey or are well-established, this card from our partner American Express is worth looking into.

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Terms Apply

5.0

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Current Offer
As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.

on American Express' secure site

Welcome OfferAs High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
Rewards RateEarn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
Intro APR0% on purchases for 12 months from date of account opening, 16.99% - 28.74% Variable APR thereafter.
Annual FeeNo annual fee
Credit Score NeededGood, Excellent
Card BrandAMEX

Product Details

Select to apply online
As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% – 28.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend above your credit limit* with Expanded Buying Power.

* The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee. Terms Apply. Learn More.

Select to apply online
As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% – 28.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend above your credit limit* with Expanded Buying Power.

* The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee. Terms Apply. Learn More.

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Offer Rating

5/ 5

By Our Content Team

Key Benefit

Earn generous Cash Rewards for every eligible business purchase and enjoy the freedom of no annual fee.

Turn your everyday business purchases into cash back with The American Express Blue Business Cash^® Card. You may be eligible for As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer. This popular no annual fee card from our partner American Express also offers 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. For business owners with lots of expenses, that could turn into hundreds or even thousands of dollars added to your bottom line each month.

In addition to the generous cash rewards, The American Express Blue Business Cash^® Card comes with no annual fee and cardholders will enjoy a lengthy intro APR of 0% on purchases for 12 months from date of account opening. That year-long period of 0% interest could be a lifesaver if you need the flexibility to make business purchases today and pay them off interest free over time. After the intro period is up, the ongoing APR will be 16.99% - 28.74% Variable.