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The American Express Blue Business Cash Card: Earn Cash Back Without the Redemption Hassle

This business credit card applies your rewards directly to your statement credit.

The American Express Blue Business Cash™ Card

7.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
CNET’S PICK
The American Express Blue Business Cash™ Card
Learn More

The American Express Blue Business Cash™ Card

7.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
$250 statement credit Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual fee
No annual fee
APR
18.49% – 26.49% Variable
Rewards rate
1% – 2% 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. ; 1% cash back on all eligible purchases after spending $50,000 per calendar year.
Rewards Rate
2%
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.
1%
1% cash back on all eligible purchases after spending $50,000 per calendar year.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

The American Express Blue Business Cash™ Card is a set-it-and-forget-it business credit card. Cardholders earn rewards which American Express automatically applies to your credit card statement -- giving you the opportunity to earn and redeem rewards without having to think about bonus categories, shopping portals or redemption values. The Blue Business Cash may suit you if you’re a freelancer, sole proprietor or small-business owner who is looking for a competitive but low maintenance card.

Rewards

The American Express Blue Business Cash Card earns 2% cash back on up to $50,000 in eligible purchases per calendar year. If you spend more than $50,000 in a calendar year, you’ll receive 1% cash back on all eligible purchases -- and when the next calendar year begins, the rewards cycle starts over. Your cash back will automatically be applied to your statement credits each billing cycle.

Eligible purchases include goods and services, but won’t include purchases of cash equivalents, such as gift cards or money orders.

The rewards rates are pretty competitive if your business spends less than $50,000 a year, though some business cards offer higher flagship rates on specific purchase categories. But for a small business with diverse spending needs, the Blue Business Cash is a good choice.

Introductory APR

If you’re thinking about using your business credit card to fund a large purchase, like a new laptop or a professional website design, the Amex Blue Business Cash Card could be a good choice. The card offers 12 months from account opening of 0% intro APR on purchases (18.49% to 26.49% variable APR thereafter), giving small-business owners the opportunity to cover a few essential business expenses without racking up interest charges.

After the introductory APR offer ends, any outstanding balance on your American Express Blue Business Cash Card will begin accruing interest at the card’s standard APR -- so make sure you have a plan to pay off as much of your balance as possible before your introductory APR offer expires. Even if you can’t pay off your purchases in full, paying off a portion of your balance in advance can help you save money on interest.

No annual fee

The Amex Blue Business Cash Card does not charge an annual fee, making it an excellent choice for small-business owners who want to save money on credit card fees and put every extra dollar towards building their business.

As your business grows, you may want to consider upgrading your business credit card to an annual fee card, because business credit cards that charge annual fees may offer better rewards -- and once you decide that an annual fee credit card is worth the cost, you could gain access to travel perks and other business-friendly benefits. Small-business owners can also benefit at tax time, since business credit card annual fees are tax deductible

Alternative cards

Chase Ink Business Cash® Credit Card 

The Ink Business Cash® Credit Card offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Cardholders also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases.

Plus, the Ink Business Cash card offers a top-notch welcome bonus -- $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card* gives you 3% cash back in the category of your choice and 2% cash back on dining, for the first $50,000 in combined choice category/dining purchases per calendar year (then 1%) until the next year, of course! All other purchases earn 1% cash back.

You can also earn a $300 statement credit online bonus if you make $3,000 in purchases in the first 90 days. If you can’t decide between the two, ask yourself whether you want to do the work of maximizing a bonus category cash back card -- or whether you’d prefer the ease that comes with a flat-rate cash back card.

CNET’S PICK
The American Express Blue Business Cash™ Card
Learn More

The American Express Blue Business Cash™ Card

7.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
See Rates & Fees Terms apply
Intro Offer
$250 statement credit Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual fee
No annual fee
APR
18.49% – 26.49% Variable
Intro Purchase APR
0% on purchases for 12 months from date of account opening
Rewards rate
1% – 2% 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. ; 1% cash back on all eligible purchases after spending $50,000 per calendar year.
Ink Business Cash® Credit Card
Learn More

Ink Business Cash® Credit Card

9/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
Earn up to $750 bonus cash back Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Annual fee
$0
APR
18.49% – 24.49% Variable
Intro Purchase APR
0% Intro APR on Purchases for 12 months
Rewards rate
1% – 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

7.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
$300 Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Annual fee
$0
APR
18.49% – 28.49% Variable APR on purchases and balance transfers
Intro Purchase APR
0% for 9 billing cycles for purchases
Rewards rate
1% – 3% 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter); 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter); 1% cash back on all other purchases

FAQs

If you are a freelancer, sole proprietor or small-business owner, you should consider applying for a business credit card. Not only do business credit cards offer you the purchasing power you need to build your business and earn rewards, but a good business credit card can also help you track your business expenses, budget for the next year and prepare for tax season.

There are many ways to use a business credit card to grow your business. Building your business credit will help you qualify for more financing options in the future. Some small-business owners use their business credit card to earn rewards on everyday business purchases. Others use their card’s 0% introductory APR period to finance a large purchase and pay it off in installments. You can also use your business credit card’s welcome bonus to save money on business expenses or fund an upcoming business trip.

The American Express Blue Business Cash Card is a good option for small-business owners who want a no-annual-fee credit card with flat-rate cash-back rewards. In fact, CNET considers the Amex Blue Business Cash Card one of today’s top business credit cards, thanks to its well-rounded spread of benefits and easy reward redemption.

For rates and fees of the American Express Blue Business Cash Card, click here.

*All information about the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Nicole Dieker has written about personal finance for nearly a decade. In addition to CNET, her work has appeared on Bankrate, CreditCards.com, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. Dieker also spent five years as a writer and editor for The Billfold, a personal finance blog.