Blue Business Cash Card from American Express

Earning Rates

Key Benefits

• 2% cash back up to $50K/yr
• $0 annual fee
• 0% intro APR 12 months
• Auto-credited to statement

All Benefits

• 2% cash back automatically credited to your statement on all eligible purchases up to $50,000 per calendar year, then 1% cash back thereafter
• 1% cash back on returns and credits
• Welcome offer: $250 statement credit after $3,000 in eligible purchases in the first 3 months
• $0 annual fee
• 0% intro APR on purchases for 12 months from account opening (current public offer cycle; verify Schumer box at application)
• No foreign transaction fees on purchases made outside the U.S.
• Expanded Buying Power: spend above your assigned credit limit on eligible one-time purchases
• Pay Over Time: carry a balance with interest on eligible purchases of $100 or more
• Free Employee Cards earning at 2%/1% (counts toward primary cardholder's $50K annual cap)
• Secondary Car Rental Loss and Damage Insurance (primary outside the U.S.)
• Purchase Protection up to $1,000 per occurrence, $50,000 per account per calendar year (90 days)
• Extended Warranty up to 1 additional year on warranties of 5 years or less
• Global Assist Hotline 24/7 when traveling 100+ miles from home
• American Express Business Expense Management (QuickBooks sync, Year-End Summary)
• Amex Offers targeted statement credits and bonus offers
• Cash back vs Blue Business Plus: same $50K annual 2X cap; this earns automatic statement credit cash back, the Plus earns transferable Membership Rewards points (~1.8c/pt transfer value)
• Not Offered: no lounge access, no annual statement credit suite, no Global Entry/TSA PreCheck credit, no hotel elite status, no category bonuses beyond the flat 2%, no cell phone protection, no trip cancellation/interruption insurance, no Membership Rewards earning or transfer partner access