The American Express Blue Business Cash™ Card

The Blue Business Credit Card from American Express offers small business owners a straightforward way to earn rewards on their everyday spending. With its simple earning structure and no annual fee, this card can provide value for businesses looking to maximize their rewards without complex category tracking or additional costs. Terms apply.

Welcome Offer

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

Rewards Structure

The Blue Business Credit Card features a simple, flat-rate rewards system:

• Earn 2% Membership Rewards® points on everyday business purchases up to $50,000 per calendar year.
• Earn 1% points on purchases after the $50,000 cap.

This structure is particularly beneficial for businesses with varied expenses or those who prefer not to track bonus categories.

Business Management Features

While not a travel-focused card, the Blue Business offers several valuable business management tools:

• Expanded Buying Power: The ability to spend above your credit limit without over-limit fees. The amount you can spend above your credit limit is not unlimited and adjusts depending on your card use, payment history, credit record, and other factors.
• Employee cards: Add employee cards with no additional annual fee.
• Account Manager: Ability to designate an Account Manager to manage your Business Card account.
• Vendor Pay by Bill.com: Earn rewards while automating your vendor payments.
• American Express® Business App: Manage your account on the go.

Travel and Shopping Benefits

While not as extensive as premium cards, the Blue Business still offers some valuable protections:

• Car Rental Loss and Damage Insurance: Coverage for damage to or theft of a rental vehicle when you use your card to reserve and pay for the entire rental and decline the collision damage waiver.
• Global Assist® Hotline: Access 24/7 emergency assistance when traveling more than 100 miles from home (third-party service charges may apply).
• Purchase Protection: Coverage for eligible purchases against accidental damage or theft for up to 90 days from the date of purchase.
• Extended Warranty: Up to one additional year added to the original manufacturer's warranty.

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.

Annual Fee and Other Charges

The Blue Business Credit Card has no annual fee, making it an attractive option for businesses looking to minimize costs while still earning rewards. However, it does charge a 2.7% foreign transaction fee on purchases made outside the U.S. Like any credit product, there are other potential fees, such as late payment fees. Refer to the card's Rates and Fees document for the most up-to-date information.

Who Should Get This Card?

The Blue Business Credit Card from American Express is best suited for:

1. Small business owners looking for a no-annual-fee card to earn rewards on everyday purchases.
2. Businesses with varied expenses may not align well with category-specific bonus rewards.
3. Those who value the flexibility of Membership Rewards® points for travel redemptions.

Who Should Consider Other Options?

This card may not be the best fit for:

1. Businesses that spend significantly more than $50,000 annually on the card.
2. Those looking for premium travel perks like airport lounge access or travel credits.
3. Businesses that frequently make purchases outside the U.S. and want to avoid foreign transaction fees.

The Blue Business Credit Card from American Express offers a straightforward way to earn rewards on business spending without the cost of an annual fee. Its simple earning structure and flexible redemption options make it an attractive choice for many small businesses. However, those seeking premium travel benefits or with high annual spending may want to consider other options.