American Express Blue Business Cash™ Card
American ExpressIssued by American Express
2% cash back on all eligible purchases up to $50,000 per year, then 1%.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
16.74% – 26.74%
0% intro APR for 12 months. Rate based on Creditworthiness and Prime Rate.
SIGN-UP BONUS
250
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card in the first 3 months of Card Membership.
TOP CASH BACK
1% back
1% Cashback On Purchases Thereafter Cash back earned is automatically, Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year.
Key Benefits
- No Annual Fee
- Expanded Buying Power: Spend above your credit limit to manage large business expenses
- Automatic statement credits for rewards
- Expense Management Tools: Connect to QuickBooks and manage employee spending
Important Limitations
- International business travel (2.7% foreign transaction fee)
- Very high-spend businesses (over $50,000/year where 1% is the floor)
Rewards Structure
All
1% backAnnual limits
First $50,000.00/year
(then drops to 0.01)
Details
1% Cashback On Purchases Thereafter Cash back earned is automatically, Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| All | 1% back | First $50,000.00/year (then drops to 0.01) | 1% Cashback On Purchases Thereafter Cash back earned is automatically, Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year. |
Fees & APR
ANNUAL FEE
$0
INTRO APR (12 MONTHS)
0%
REGULAR PURCHASE APR
16.74% – 26.74%
CASH ADVANCE APR
29.24% – 29.24%
FOREIGN TRANSACTION FEE
2.7%
LATE PAYMENT FEE
$39
BALANCE TRANSFER FEE
$5 OR 3%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Expanded Buying Power
- ✓The ability to spend above your credit limit. The amount you can spend is flexible and based on your use of the Card, payment history, and other factors.
- ✓Amount spent over limit must be paid in full each month
Car Rental Loss and Damage Insurance
- ✓Secondary coverage for theft of or damage to most rental vehicles.
- ✓Must use the Card to reserve and pay for the rental
- ✓Must decline the collision damage waiver from the rental company
- ✓Not all vehicle types or rentals are covered
Security Features
- ✓Purchase Protection – Covers eligible purchases for up to 90 days from the date of purchase if they are stolen or accidentally damaged.
Best Use Cases
IDEAL FOR
- Small business owners with diverse spending
- Those who prefer simple, flat-rate cashback
- Businesses spending up to $50,000 annually
NOT RECOMMENDED FOR
- International business travel (2.7% foreign transaction fee)
- Very high-spend businesses (over $50,000/year where 1% is the floor)
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $3,000.00 to unlock $250.00 bonus
- Effective 8% return on first $3,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Months 1–12: Use 0% APR
- Finance large purchases interest-free
- Spread purchases over months
- Create payment plan before month 13
- Avoid 16.74% – 26.74% APR kicking in
- Calculate monthly payments needed
Earn More Cash Back
- 1% back on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-492-3344
Terms subject to change · View full terms
Last updated: Mar 17, 2026
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