Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
The American Express Blue Business Cash™ Card is a good choice for small business owners looking for a card that earns 2% cash back with no annual fee. (See Rates and Fees)
When you use the Blue Business Cash, you will earn 2% cash back on all eligible purchases on up to $50,000 of purchases each year, then 1%. Cash back is automatically credited to your statement in the month in which you receive it.
You’ll get a handful of benefits with the American Express Blue Business Cash™ Card, including extended warranty, purchase protection, and secondary car rental loss and damage insurance. As an Amex card, you’ll also get access to Amex Offers, card offers that can give you a substantial discounts at specialty merchants.
card_name welcome bonus:
bonus_miles_full
See Rates and Fees
Click here to learn more and apply.
Our take on the welcome bonus: The current offer is the best offer generally available on this card, but you might be able to get a better offer through a referral link.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
American Express Blue Business Cash™ Card at a glance:
Annual fee: $0
Rewards: 2% cash back on eligible purchases on up to $50,000 per calendar year. 1% thereafter.
Benefits: Extended warranty. Purchase protection. Secondary car rental loss and damage insurance.
American Express Blue Business Cash™ Card at a glance
Here’s what you need to know about the American Express Blue Business Cash™ Card.
Rewards
| All eligible purchases, on up to $50,000 in purchases per calendar year. | 2% | |
| Other purchases. | 1% |
Benefits
| Consumer insurance benefits Extended warranty Purchase protection | |
| Travel insurance benefits Secondary car rental loss and damage insurance |
Other important terms
| Annual fee: $0 | |
| Foreign transaction fee: 2.7% |
My take on the American Express Blue Business Cash™ Card
There are plenty of consumer cards that offer you 2% cash back on all purchases, but the American Express Blue Business Cash™ Card caps 2% earnings at $50,000 in purchases each year. If you are a small business owner who wants a card that offers Amex purchase protection and Amex extended warranty for no annual fee, the American Express Blue Business Cash™ Card might make sense. But if you spend heavily on your small business credit card and want 2% rewards, consider the Capital One Spark Cash card, which will give you uncapped 2% rewards, albeit with an annual fee.
Welcome bonus
card_name welcome bonus:
bonus_miles_full
See Rates and Fees
Click here to learn more and apply.
Our take on the welcome bonus: The current offer is the best offer generally available on this card, but you might be able to get a better offer through a referral link.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
American Express Blue Business Cash™ Card at a glance:
Annual fee: $0
Rewards: 2% cash back on eligible purchases on up to $50,000 per calendar year. 1% thereafter.
Benefits: Extended warranty. Purchase protection. Secondary car rental loss and damage insurance.
American Express Blue Business Cash™ Card rewards
The American Express Blue Business Cash™ Card offers simple cash back rewards. You’ll get 2% on eligible purchases until you spend $50,000 each calendar year, then 1%.
| 2% | All eligible purchases, on up to $50,000 in purchases per calendar year. | |
| 1% | Other purchases. |
Benefits of the American Express Blue Business Cash™ Card
In addition to 2% rewards on up to $50,000 of purchases each year, the American Express Blue Business Cash™ Card offers a handful of benefits that are useful to small business owners.
Consumer insurance benefits
Many cards offer consumer insurance benefits that can protect the things you buy. Here are the consumer insurance benefits offered by American Express Blue Business Cash™ Card. Terms and restrictions apply to all benefits.
Purchase protection protects the things you buy with your card from damage or theft for a certain amount of time after you buy them. Amex purchase protection covers your new purchases for 90 days against damage or theft up to $1,000 per covered purchase and up to $50,000 per eligible card.
Extended warranty provides additional warranty coverage on items you purchase with your card. Amex extended warranty protection extends the time period of the U.S. manufacturer’s warranty by up to an additional year, on original manufacturer’s warranties of five years or less.
Travel insurance benefits
Cards targeted toward travelers often offer travel insurance benefits that can protect you when you are traveling away from home. Terms and restrictions apply to all benefits.
Car rental loss and damage insurance protects you against damage to or theft of your rental vehicle. For coverage to apply, you need to reserve and pay for your vehicle using your card and decline your car rental company’s collision damage waiver. The coverage provided by your American Express Blue Business Cash™ Card is secondary to your personal auto insurance.
Statement credits and partner offers
Amex Offers – American Express cardmembers receive targeted merchant-specific deals through Amex Offers. These targeted offers are offered in partnership with merchants and range in value from a marginal amount of to rebates upwards of 25%. Enrollment is required to take advantage of an Amex Offer.
American Express Disclosures
- For rates and fees of the American Express Blue Business Cash™ Card, please visit this link: See Rates and Fees
Amex Extended Warranty benefit disclosure: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. 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.
Amex Basic Purchase Protection benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. 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.
Amex Basic Car Rental Loss and Damage Insurance disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
