In this article
The American Express Blue Business Cash™ Card is a good no-annual fee “catch-all” cash back credit card for small businesses or startups.
American Express Blue Business Cash™ Card
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Terms apply | Rates & Fees
Point Multipliers
The Blue Business Cash earns 2% cash back on the first $50,000 in spend per calendar year on eligible purchases. After the first $50,000, it earns 1% back. Terms apply.
Optimal Strategy
This card is a great catch-all option if you have lower spending. There are better options if you intend to spend more than $50,000.
Redeeming Cash Back
The Blue Business Cash earns cash back and can NOT be transferred to Membership Rewards (MR) points.
Alternatives
If you want to earn MR points, The Blue Business® Plus Credit Card from American Express offers similar benefits but earns 2X MR instead of 2% cash back.
The Capital One Spark Cash Plus might be a better fit if you have high spending. It earns 2% on everything, uncapped, but has an annual fee.
The Blue Business® Plus Credit Card from American Express
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.
Terms apply | Rates & Fees
Capital One Spark Cash Plus
$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Main Takeaway
The Blue Business Cash is a good option for businesses that spend less than $50,000 per year on the card and are focused on cash back rather than points.
For rates and fees of The Blue Business Cash Card, please click here.