American Express
American Express Blue Business Cash Card Review
Small businesses that want simple flat cash back and no annual fee
Updated for 2026
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See how to apply →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 |
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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
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.