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American Express Blue Business Cash Card card art
American Express · blue business

American Express Blue Business Cash Card

4.1 / 5
Cash back · Business card

A flat 2% on the first $50,000 of yearly spend with no annual fee, plus 12 months at 0% on purchases. The 2.7% foreign transaction fee makes it a poor fit for businesses that buy abroad.

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At a glance

Welcome bonus
$250 cash
Spend $3,000 in 3 months
Annual fee
$0
Purchase APR
16.74% to 28.49%
Intro: 0% for 12 months
FX fee
2.70%
Editorial

Our take

A flat 2% on the first $50,000 of yearly spend with no annual fee, plus 12 months at 0% on purchases. The 2.7% foreign transaction fee makes it a poor fit for businesses that buy abroad.

Verdict

Pros & cons

Pros

  • No annual fee
  • 2% cash back on the first $50,000 of eligible purchases each calendar year
  • 0% intro APR on purchases for 12 months
  • $250 statement credit after $3,000 in the first 3 months

Cons

  • 2.7% foreign transaction fee
  • Rate drops to 1% after $50,000 of purchases in a calendar year
  • No lounge access or travel credits
Earnings

Earn rates

CategoryRateNotes
All other purchases2%2% on the first $50,000 of eligible purchases per calendar year.·cap $50,000
All purchases above the cap1%Eligible purchases after the $50,000 calendar-year threshold.
Benefits

Key benefits

0% intro APR for 12 months

0% introductory APR on purchases for the first 12 months from the date of account opening.

Automatic statement credits

Cash back is credited to the statement monthly, with no category selection or redemption step.

Expanded Buying Power

The option to spend above the credit limit, with a flexible amount based on payment history, credit record, and other factors.

Employee Cards

Employee Cards can be issued on the account, with Connect to QuickBooks syncing employee transactions and receipts daily.

Global Assist Hotline

24/7 emergency coordination and referral services when travelling more than 100 miles from home. Third-party costs are the Card Member's responsibility.

Fit

Who this is best for

  • Small businesses spending under $50,000 a year on the card
  • Owners financing a large purchase over the first year
  • Businesses that want cash back with no category tracking
FAQ

Frequently asked questions

What is the Amex Blue Business Cash welcome bonus?
You can earn a $250 statement credit after you spend $3,000 (the "Threshold Amount") or more in eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is opened.
Does the Amex Blue Business Cash charge an annual fee?
No. The Amex Blue Business Cash has a $0 annual fee.
Does the Amex Blue Business Cash have a foreign transaction fee?
Yes. The Amex Blue Business Cash charges a 2.70% foreign transaction fee on purchases made outside the US.
Does the Amex Blue Business Cash offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 12 months on purchases. The ongoing purchase APR is 16.74% to 28.49% variable.
Who is the Amex Blue Business Cash best for?
Small businesses spending under $50,000 a year on the card. Owners financing a large purchase over the first year. Businesses that want cash back with no category tracking.
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American Express Blue Business Cash Card

Spend $3,000 in 3 months
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Rates accurate as of October 6, 2026. Issuer terms.