The American Express Blue Business CashTM Card offers a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months and 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% (See Rates & Fees).
Update 3/4/25: If you’re a business looking with high spend, here’s a great card that offers 2% cash back on all eligible purchases, on up to $50K spent per year!
It appeals to businesses with more expenses where more cash back rewards can be earned.
Editor’s Note: You may not know this, but if you ever sell something on eBay, Craigslist, or do any freelance work, your business is called sole proprietorship. Simply use your name as business ID and Social Security number as tax ID on your application to apply.
Terms Apply. Enrollment is required for select benefits.
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American Express Blue Business Cash Card Summary
| Bonus Available | Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. |
| Ongoing Rewards/Benefits | 2% cash back on all eligible purchases, on up to $50,000 spent per year.
1% cash back on all other eligible purchases |
| Foreign Transaction Fees | 2.7% (See Rates & Fees) |
| Balance Transfer Fees | Either $5 or 3% of the transfer amount, whichever is greater. |
| Annual Fee | $0 (See Rates & Fees) |
| Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Business Premium Savings ($375 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
| U.S. Bank Business Checking ( $500 or $900 Bonus) | |
The Blue Business Cash Card Expanded Buying Power
Like the Blue Business Plus card, the Blue Business Cash lets you go beyond your credit limit. This means you can make big business purchases at no extra cost and earn points for these purchases.
How do you spend beyond our card limit? Check out these factors:
- Your use of the Blue Business Cash card,
- Your payment history,
- Your credit record, and
- Your financial resources.
If you spend above your limit, you will have to pay the difference with the minimum payment due that billing period. If you do not pay the full amount, you will receive a penalty APR, which negates any rewards you earn on your big purchase.
American Express or Visa?
Here’s how the American Express Blue Business CashTM Card stacks up against the Chase Ink Business CashSM Card, a Visa credit card also aimed to appeal small business owners.
With the American Express Blue Business CashTM Card: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% Plus, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors. This card comes with no annual fee (See Rates & Fees). Terms Apply. |
 The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll earn: • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. |
If you have significant internet, cable, or landline phone expenses, the Ink Business Cash is the better small business credit card for you.
In addition, most vendors accept Visa cards, as opposed to American Express cards, especially if you deal with vendors outside of the States. However, if you plan to deal with merchants who accept American Express cards, the Blue Business CashTM Card from American Express would best benefit you in the long run.
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Bottom Line
The American Express Blue Business CashTM Card has plenty of great benefits for a business owner. It also offers extra bonus category options and bigger spending limits which means more potential for cash back rewards.
The welcome offer helps you make big purchases and pay it off gradually without incurring extra interest.
With no annual fees, you can be certain that you’re both earning and saving thanks to these intro perks. Plus, your business’s cash flow will thank you. No matter what you spend on, if you do it with this card, you’re earning money back for your business.
However, I wouldn’t recommend this card for companies who do a lot of your business spending abroad and want to dodge foreign transaction fees. Consider checking out our full list of Credit Card Bonuses.
Looking to open a business bank account? View our list of the latest business checking promotions.
*You can also compare this card with other credit card bonuses! You can also view the latest business account promotions!*
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by New Hampshire Insurance Company, an AIG Company.
With the American Express Blue Business CashTM Card: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% Plus, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors. This card comes with no annual fee (See Rates & Fees). Terms Apply. |
| PROMOTIONAL LINK | OFFER | REVIEW |
| U.S. Bank Silver Business Checking Package | $900 Cash | Review |
| U.S. Bank Gold Business Checking Package | $900 Cash | Review |
| U.S. Bank Platinum Business Checking Package | $900 Cash | Review |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Axos Bank Basic Business Checking | $400 Cash | Review |
| Axos Bank Business Interest Checking | $400 Cash | Review |
| Regions Bank Business Checking | $150 Cash | Review |
| NorthOne Business Checking | $20 Credit | Review |
| Novo Business Checking | $75 Cash | Review |
| BlueVine Business Checking | 2.00% APY | Review |
See Rates & Fees of the American Express Blue Business CashTM Card.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
This is a different card. Not the regular SimplyCash.
If you already have the Simply Cash Card (prior version) and apply and get approved for this one, do I still get the bonus? I know Amex has that “once per lifetime” rule now. just asking as I do not want to burn an inquiry for nothing 🙂
This card should probably be updated because the description is misleading. I was actually misinformed when I opened this card up about the 5% and the 3% Categories.
Bear with me on this it sounds like I am stating the obvious for a while but i do it in order to avoid any confusion.
Office supply stores count as a category (5% to be specific)
U.S. Cell Phone Services is also a category (also 5%)
These are 2 separate categories each with their own 50,000$ cap.
so if you took the limit for Office supplies stores and added it to the limit for U.S Cellular, you would have 100,000$.
Additionally,
the 3% category you choose is a separate category with its own 50,000$ limit.
so if you combined the limits for all three, you would have 150,000$ in total.
Now I need to state that NO, you can NOT actually combine the limits, but I merely said that to make my point about how the limits work (aka per category).
So… for people like me who know they will use 50,000$ of office supplies in a year on this card, but have a cell phone bill they would like to use this on or want to use the 3% on restaurants or what not, but don’t because they were mislead by agents that said the 5% and the 3% are combined in a 50,000$ limit, they can feel free to use this card for those bills because one category’s spending does not affect another. You get 50,000$ per each category per calendar year.
I found this out today after speaking with a supervisor that worked there 27 years and was actually telling me about the history of the simply cash card, how long it has been around and how much it has changed over the years which was really cool. I love when I come across something like that.