American Express Blue Business Cash Card — Full Review [2023]

Great Card If

• You are a small business owner and want to have a simple cash-back earning strategy
• You are a business owner who spends up to $50,000 on business purchases annually
• You are a business owner who travels often

Don’t Get If

• You are not a business owner
• You are seeking a cash advance
• You are seeking a place to move a balance transfer from another credit card
• You spend a lot of money in the specific categories, such as wireless phone service, office supplies, and/or business travel
• Spend more than $50,000 annually on business purchases

Amex Blue Business Cash Card — Is It Worth It?

If you’re looking for an uncomplicated card that allows you to earn 2% cash-back on your purchases with no annual fee, then yes, the Amex Blue Business Cash card would be well worth it to you.

Plus, the card isn’t just about earning cash-back, it also offers benefits like rental car insurance, purchase protection, and extended warranty coverage.

With the account manager feature, you can assign a business partner or trusted employee to handle important tasks such as making payments and reviewing information. This can free up your time for doing other things.

You can also add more cards for your employees, which will also come with tools that integrate with your bookkeeping. This can make it easy and convenient to run the numbers!

Amex Blue Business Cash Card Top Benefits

Add Employee Cards for No Additional Fee

With the Amex Blue Business Cash card, it is easy to empower your employees with their own company card, as you can add as many employee cards as you’d like for no additional fee (rates & fees). Plus, you’ll still earn cash-back for all of the purchases they make!

Purchase Protection

When you purchase an item with your card, you’re covered for up to 90 days towards accidental damage or theft. The coverage is limited up to $1,000 per occurrence, up to $50,000 per calendar year.

Extended Warranty Protection

If you purchase any item with your card with a warranty of 5 years or less, your Amex Blue Business Plus card extends that coverage by 1 additional year.

Rental Car Insurance

Cardholders receive secondary coverage for damage to their rental car in covered territories when you pay for the rental car using your Amex Blue Business Cash card and decline the company rental car coverage.

Best Way To Earn and Redeem Cash-Back Rewards

The best way to earn as much cash-back as possible with your card is to use it for all of your business expenses. This will allow you to earn 2% back on every purchase up to $50,000 in spend, which would be $1,000 in cash-back, and 1% back on all purchases thereafter.

At the end of each billing period, the cash-back you’ve earned will be automatically credited to your account as a statement credit.

Alternative to the Amex Blue Business Cash Card

Ink Business Preferred^® Credit Card

A comparable competitor is the Ink Business Preferred card. With this card, you can earn 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year.

You’ll also earn 1x point per $1 on all other purchases — with no limit to the amount you can earn.

While you could redeem all of the points you earn as cash-back at a rate of 1 cent per point, the Ink Business Preferred card actually gives you significantly more redemption options.

Specifically, your points can be transferred to the Chase travel partners and redeemed for a much higher value.

We’ve also compared the Amex Blue Business Cash card to other popular cards:

• Amex Blue Business Cash card vs. New Business Card! Ink Business Premier℠ Credit Card

For rates and fees of The American Express Blue Business Cash™ Card, click here.
For rates and fees of The Blue Business^® Plus Credit Card from American Express, click here.
For rates and fees of The Plum Card^® from American Express, click here.