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American Express Blue Business Cash Card Review

American Express Blue Business Cash Card Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Jul 19, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you are a small business owner who wants to earn cash back on every purchase without paying an annual fee, American Express has a solution for you.

The latest addition to American Express’s small business card portfolio — the American Express Blue Business Cash™ Card — lets cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, and charges no annual fee. Additionally, the card offers Expanded Buying Power, which enables cardholders to spend beyond their credit limit, without penalty, and get rewarded on those purchases.

Note, the American Express Blue Business Cash™ Card is replacing the SimplyCash Plus Business Credit Card from American Express — which is no longer accepting applications as of July 18, 2019.

In this review, we’ll breakdown the pros and cons of the new American Express Blue Business Cash™ Card, as well as show how it compares with  The Blue Business® Plus Credit Card from American Express.

  • 0% on purchases for 12 months from date of account opening

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%

  • 13.24% - 19.24% Variable

Highlights
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. 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 beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees

See additional details for American Express Blue Business Cash™ Card

More Info

Where the American Express Blue Business Cash™ Card stands out

Welcome offer. New American Express Blue Business Cash™ Card cardholders can earn a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months.

Simple rewards structure. The American Express Blue Business Cash™ Card is ideal for cardholders who want a simple rewards structure. Since you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%, there’s no need to keep up with bonus spend categories. If you max out the spending cap by making $50,000 in purchases in a year, you will earn $1,000 cash back.

Expanded Buying Power. American Express helps business owners pursue growth opportunities, deal with unexpected costs and pay for larger purchases with Expanded Buying Power. The feature lets you buy above your credit limit — with no overlimit fees — and earn cash back on those purchases.

Keep in mind that, at the end of the billing cycle, the portion above your credit limit will be due in full.

Annual fee. Unlike business cards that can charge upwards of $595 per year, the American Express Blue Business Cash™ Card has no annual fee — allowing you to enjoy all the benefits that come with the card without a big financial commitment.

Intro APR on purchases. The American Express Blue Business Cash™ Card offers an intro APR on purchases of 0% on purchases for 12 months from date of account opening, followed by an APR of 13.24% - 19.24% Variable. Although we recommend paying off your bill in full each month, the introductory offer provides a great opportunity to pay off large expenses over a long period of time without incurring interest charges.

Additional American Express Blue Business Cash™ Card benefits

Where the American Express Blue Business Cash™ Card falls short

Cap on bonus earning. The American Express Blue Business Cash™ Card only allows cardholders to earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. If your company charges more than $4,200 each month on business expenses, you’ll be better off with a card that offers bonus cash back without a spending cap.

Compare it with The Blue Business® Plus Credit Card from American Express

  • 0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable

  • Earn 2X points on everyday business purchases up to the annual cap

  • Enjoy the flexibility to put more purchases on the Card

Highlights
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees

See additional details for The Blue Business® Plus Credit Card from American Express

More Info

If you prefer earning points rather than cash back, you may want to consider The Blue Business® Plus Credit Card from American Express . The Blue Business® Plus Credit Card from American Express is virtually identical to the American Express Blue Business Cash™ Card, except this card gives you an opportunity to Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

See how the cards compare side by side in the table below.

American Express Blue Business Cash™ Card The Blue Business® Plus Credit Card from American Express
Annual fee No annual fee No annual fee
Intro APR on purchases 0% on purchases for 12 months from date of account opening 0% on purchases for 12 months from date of account opening
Intro APR on balance transfers N/A N/A
Regular purchase APR 13.24% - 19.24% Variable 13.24% - 19.24% Variable
Rewards Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Welcome Offer  $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership
Foreign transaction fee 2.7% of each transaction after conversion to US dollars. 2.7% of each transaction after conversion to US dollars.
Rates & Fees

To see rates & fees for American Express Blue Business Cash™ Card please click here.

To see rates & fees for The Blue Business® Plus Credit Card from American Express please click here.

As you can see, the American Express Blue Business Cash™ Card and The Blue Business® Plus Credit Card from American Express share the same annual fees, intro APRs, regular APRs and foreign transaction fees. Besides their names, where they differ the most is that one offers cash back rewards, while the other offers points.

If you travel frequently, The Blue Business® Plus Credit Card from American Express may be the better choice. Along with redeeming points for gift cards, shopping, travel, entertainment, merchandise and charity, the card lets you transfer points, often at a 1:1 rate, to a number of airlines and hotels, including Delta SkyMiles, JetBlue TrueBlue, Choice Privileges, Marriott Bonvoy and more.

With American Express Blue Business Cash™ Card, your cash back will automatically be credited to your account as a statement credit.

The bottom line

Overall, the ability to earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%  — without paying an annual fee — with the American Express Blue Business Cash™ Card is a generous offer.

However, if you spend more than $50,000 per year on business expenses, you’ll be better off with a card that offers unlimited cash back on every purchase, like the Discover it® Business Card. This card offers unlimited 1.5% cash back on every dollar spent on all purchases. Plus, for new cardmembers, Discover will match all of the cash back you earn at the end of your first year of card membership, automatically.


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