American Express
American Express Blue Business Cash Card Review
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Small businesses that want simple flat cash back and no annual fee
Updated for 2026
Overview
The American Express Blue Business Cash Card earns a flat 2% cash back on eligible purchases up to $50,000 per year, credited automatically to your statement, with no annual fee. A 12-month 0% intro APR on purchases and Expanded Buying Power make it useful for managing early business expenses.
| Annual fee | $0 |
|---|---|
| Regular APR | 16.74%–28.49% variable (will not exceed 29.99%) |
| Welcome bonus | $250 statement credit after spending $3,000 in eligible purchases in the first 3 months (elevated offers may be available — confirm the current offer on the issuer site) |
| Rewards | 2% cash back on eligible purchases on the first $50,000 per calendar year, then 1%, credited automatically to your statement |
| Recommended credit | Good to Excellent |
Pros & cons
Pros
- 2% cash back on all eligible purchases with no annual fee
- $250 welcome statement credit
- 0% intro APR on purchases for 12 months plus Expanded Buying Power to spend above the credit limit
Cons
- The 2% rate is capped at $50,000 per year, dropping to 1% after
- It is a business card, and American Express acceptance is narrower than Visa or Mastercard
Compare with similar cards
Not sure this is the one? Weigh it against other business options.
Chase Ink Business Cash
Chase Ink Business Unlimited
Capital One Spark Cash PlusSee how to apply → See all business cards
Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.