AMEX Blue Business Cash Card
The Blue Business Cash Card is a new cash back card offered by American Express. It earns 2% cash back on the first $50,000 in purchases for the calendar year, making it the cash back equivalent of the AMEX Blue Business Plus Card. While the Blue Business Plus Card will generally produce a better return thanks to the value of Membership Rewards Points, the Blue Business Cash is still a solid option for anyone who is focused on earning cash back with AMEX or wants a flat rate 2% cash back earning credit card. The Blue Business Cash Card has no annual fee which makes it the best AMEX cash back card for miscellaneous purchases, overthrowing the 1.5% that the AMEX Cash Magnet Card earns.
The AMEX Blue Business Cash Card earns cash back at a flat rate. Cash back earned with this card is automatically applied to your statement balance similar to the AMEX SimplyCash Plus Business Card.
2% All Purchases
The AMEX Blue Business Cash Card earns 2% cash back per $1 spent on the first $50,000 in purchases for the calendar year. After that limit is reached, it will earn 1% cash back per $1 spent for the remainder of that calendar year. This card can easily be paired with the Blue Cash Preferred and/or AMEX SimplyCash Plus Business Card to maximize cash back earned with American Express.
Perks and Benefits
Buy Above Your Credit Limit
The AMEX Blue Business Cash Card allows you to make purchases beyond your credit limit. This means it behaves similar to a card that has No Personal Spend Limit like the Business Platinum and Business Gold cards. Once the statement cuts, you will be responsible for the full amount that is over the limit along with the minimum amount due. This hidden cap adjusts with the use of the card, payment history, credit history, and other financial factors. The Blue Business Plus Card also features this benefit.
Standard Business AMEX Benefits
The AMEX Blue Business Cash Card comes with the standard line-up of American Express Business Benefits. This includes, but is not limited to:
- AMEX Offers
- Expense Management Tools
- Extended Warranty
- Purchase Protection
- Car Rental Loss and Damage Insurance
Sign Up Bonus
The AMEX Blue Business Cash Card has a signup bonus of $250 after spending $5,000 within the first 3 months. You can earn an additional $250 after spending an additional $10,000 (for a total of $500 cash back with $15,000 in spend). Spending $15,000 across the card would earn you $300 in cash back from spend. With the additional $500 from the bonus, you're looking at a 5.33% return which is fantastic if you're able to hit the $15k.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The AMEX Blue Business Cash Card does not have an annual fee. This means you will always come out ahead when running spend through this card.
Authorized User Fee
There is no fee to add users to the AMEX Blue Business Cash Card. I recommend adding employees, family, or friends to the card in order to maximize the cash back and reach the $50k bonus limit.
Foreign Transaction Fee
The foreign transaction fee for the AMEX Blue Business Cash Card is 2.7%. This is the same as the Blue Business Plus Card, so it's not surprising.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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