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

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Jarrod West

Jarrod West

Senior Content Contributor

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Stella Shon

Stella Shon

Compliance Editor & Content Contributor

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
& Kellie Jez

Kellie Jez

Director of Operations & Compliance

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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Learn More

(at Amex's secure site)

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:

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.

Frequently Asked Questions

With no annual fee and the ability to earn 2% cash-back on up to $50,000 in eligible purchase each calendar year, the card can be well worth it.

This card’s target audience is the small- or medium-sized business owner who spends on office supplies and wireless services.

There are 2 ways to earn cash-back benefits from the card. These include the following:

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

The Amex Plum card costs nothing the first year but costs $250 per year after that. Also, this card only earns 1.5% “cash-back,” which is actually an early payment discount.

The Amex Blue Business Cash card earns 2% cash-back on all eligible purchases on up to $50,000 per calendar year, the 1% thereafter.

No, there is no annual fee for this card.

Just like with most other cards, you will need to have good or even excellent credit in order to qualify for this card. The only way to really know if you qualify is to apply!

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.



December 03, 2020

Please list the “eligible purchases” categories you refer to many times here for the Amex Blue Business Cash Card since that is the real key to getting cash back.

Christine Krzyszton

December 03, 2020

Hi Bert. Amex officially defines eligible purchases as such: “Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, person-to-person transactions, purchases of gift cards, purchases of traveler’s checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.” So all purchases, except those excluded here would earn 2% cash-back on the first $50,000 and 1% after that.

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