PrimeGuideSource is an independent credit card comparison platform. We may earn a commission when you click through.
American Express Blue Business Cash: The Cashback King?
No annual fee and up to 2% cashback make this card attractive for businesses, but watch out for the variable APR starting at 18.49%.
The Quick Version
The American Express Blue Business Cash™ card offers up to 2% cashback on eligible purchases, with no annual fee. However, the variable APR ranges from 18.49% to 26.49%, which could be a drawback if you carry a balance. source
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
American Express Blue Business Cash™ Card
Solid cashback option with no annual fee
Fees & Rates
This card has no annual fee, making it cost-effective for businesses. The variable APR is between 18.49% and 26.49%, according to American Express. Cashback is at 2% on up to $50,000 in purchases per year, then 1%. No foreign transaction fees, which is great for international business.
What's Actually Good
The standout here is the no-annual-fee structure combined with up to 2% cashback. It's ideal for businesses looking to minimize costs while maximizing rewards. Plus, no foreign transaction fees make it travel-friendly.
The Catch
The high variable APR can sting if you don't pay off balances monthly. After $50,000 in purchases, the cashback rate drops to 1%, which limits the benefits for high-spending businesses.
This Card Is For You If...
You're a small business owner with good to excellent credit (670+), looking for no annual fee and decent cashback on moderate annual spending (under $50K). Frequent international transactions? This card's for you.
The Bottom Line
For businesses keeping balances low and spending under $50K annually, the American Express Blue Business Cash™ is a cost-effective cashback option. Compare it to the Citi Double Cash: Unlimited 2% Back, But Is It Enough? for a broader view of cashback cards.
