Amex Blue Business Cash: 2024 Review

American Express Blue Business Cash™ Card is one of the few small business credit cards that offers up to 2% cash back with no annual fee. Terms and conditions apply.

This makes it a great deal for entrepreneurs who don't need to keep track of bonus categories and want to earn a high flat rate on everyday expenses. This card's 0% APR offer on purchase is also useful for those looking to finance upfront costs.

However, if you spend $50,000 on this card, the return rate drops to 1%. If you are a business owner who spends a lot of money, or if your monthly expenses are predictable and neatly organized into specific categories, you may find a more advantageous option. cashback business credit card. If you want travel perks, you'll have to look elsewhere.

Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your card in the first three months. Terms and conditions apply.

Reward: Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, and 1% thereafter. Any cashback you earn will be automatically credited to your statement. Terms and conditions apply.

April: 0% initial APR on purchase for 12 months, then recurring APR 18.49% – 26.49% variable APR.

Foreign transaction fees: 2.7%.

• You can spend a limited amount of money over your spending limit, giving you more flexibility.

• Designate an account manager to give access to a trusted individual to manage your card account in your absence.

• If your covered rental car is damaged or stolen, purchase rental car loss and damage insurance. American Express Blue Business Cash™ Card Book and pay for a vehicle and refuse a collision damage waiver at the rental counter.

No need to keep track of categories or juggle multiple cards.Everything you buy together American Express Blue Business Cash™ Card Earn 2% cash back until you reach your annual spending limit of $50,000. After that, you can earn an unlimited amount of 1% cash back on your spending. Terms and conditions apply. If you max out your spending limit, you'll get a net $1,000 back. Other cards may offer greater returns, but there aren't many cards with annual fees of 1 million yen. $0.

If your spending levels vary significantly from month to month, or if you have periods where you need a little extra wiggle room on your purchases. American Express Blue Business Cash™ Card I might be able to help. According to the card's terms and conditions, you can spend more than your credit limit. Any balance that exceeds your credit limit must be paid in full each month. If you do not pay, there will be a penalty charge.

Business credit card with 0% APR introductory period Periods longer than one year are not particularly common.but American Express Blue Business Cash™ Card Provides one:0% initial APR on purchase for 12 months, then recurring APR 18.49% – 26.49% variable APR. This can buy you time to pay for big purchases.

As long as your account is in good standing, you will receive automatic statement credits towards your benefits with no effort required on your part. This can be a drawback for those who want to save their rewards for certain redemptions. But for time-poor business owners, there is no need to wait until a certain amount of money has been saved or forget to log in to receive benefits. This card solves that problem.

For budget-conscious small business owners, avoiding annual fees is a plus, especially if your spending doesn't justify the benefits you get from a card with an annual fee.

Businesses that spend much more than $50,000 each year may benefit from a cashback business card that offers unlimited benefits. Ink Business Unlimited® Credit Card From Chase. Although the cashback rate of that card is low (1.5% cash back on all your spending), you'll be at the top if you spend $100,000 or more in a year.like American Express Blue Business Cash™ Cardthere is no annual fee.

of Capital One Spark Cash Plus is an option for 2Unlimited % cashback. However, since this is a charge card, you must pay off the balance in full each month and there is an annual fee of $.150.

If your expenses easily fall into general business categories; US Bank Business Triple Cash Rewards World Elite Mastercard® It might make sense. This no-annual-fee option offers the following benefits: Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers, and restaurants.Earn 1% cashback on all other eligible online purchases.

Additionally, if you're a frequent traveler, there are plenty of travel business credit cards to choose from that offer bonus benefits on flights, rental cars, and other travel expenses.

Blue Business® Plus Credit Card from American Express If you're interested in traveling, this is another card to consider.This card is the same in every way American Express Blue Business Cash™ Card Except for one important detail: the type of rewards they earn.

If you're looking for direct cash back and you're okay with using it as a statement credit, American Express Blue Business Cash™ Card With a simple reward structure and automatic redemption, it's a clear winner. Earning 2% cash back on the card for up to $50,000 a year means he'll earn 2 cents for every $1 spent. Even if you hit your spending limit and your rate of return drops to 1% cashback, it's still worth 1 cent on every dollar.

and Blue Business® Plus Credit Card from American Express (look Rates and fees), depending on how you redeem your Membership Rewards points, each point is typically worth between 0.5 cents and 1 cent (although some travel-related redemptions can be worth 2 cents or more). You can also redeem Membership Rewards points for statement credits, but when redeemed this way, the points are only worth 0.6 cents each.

Gift cards and merchandise are also ways to spend your points, but they also tend to be worth less than a penny per point.

If your business expenses vary and are less than $50,000 per year; American Express Blue Business Cash™ Card It's an easy way to earn guaranteed cashback. This card offers easy-to-understand flat fees on all purchases and automatically redeems for you.

People who spend a lot of money on certain categories, such as gas or office supplies, may find they benefit from a card that increases their income in that area. Alternatively, those who want more flexibility with their rewards may find a card with multiple redemption options a better fit.