With the American Express Blue Business CashTM Card, you can enjoy customizing some of your bonus rewards and earn extra cash back in the categories where you spend the most. Though this card does not come with a cash back welcome offer, small business owners can take advantage saving on interest with a 0% intro APR on purchases and balance transfers for 12 months (afterwards, your APR will be a variable rate) (See Rates & Fees).
On top of that, enjoy earning 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.
With this card, you can accumulate a serious amount of cash back at retailers that businesses use frequently. And, with the flexibility of the card’s stand-out 0% introductory APR period and no annual fee (See Rates & Fees), you’ve got a great credit card option for small business.
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American Express Blue Business Cash Card Summary
Redeeming Cash Back
Unlike with other credit cards, you don’t have to do anything to redeem your rewards. You’ll automatically get your cash back in statement credit with the Amex Blue Business Cash card.
You’ll get your cash back two months after the statement in which the purchases were recorded. For example, your rewards for purchases in January will show up in your March statement.
However, there are circumstances where you won’t receive your cash back:
- If you fail to pay the minimum payment due by its due date
- If you cancel your account before the credit is issued
Blue Business Cash Expanded Buying Power
Unique to the American Express Blue Business CashTM Card, you can spend beyond your credit limit to make big purchases for your business, at no extra cost. You’ll earn cash back on these large expenses as well.
The amount you can spend above your credit limit depends on several factors:
- Use of the Blue Business CashTM Card from American Express
- Payment history
- Credit record
- Financial resources
Any amount spent over your limit must be paid back on top of the minimum payment due that billing period. If you fail to pay it in full, you’ll get hit with a high penalty APR which will negate any rewards earned from the purchase.
The American Express Blue Business CashTM Card can be a valuable rewards credit card for startups and small businesses. With no annual fee, it won’t hurt you if you don’t use it much during the year. This card offers a great amount of cash back.
However, if you’re interested in something else, you can find more in our complete list of Credit Card Promotions today!
Learn more about this card and its features here.
Other Credit Cards To Consider
Other No-Annual-Fee Business Credit Cards:
The Chase Ink Business CashSM Card offers $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from 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, & % 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 & the 0% introductory APR for 12 months on purchases.
The Ink Business UnlimitedSM Credit Card offers $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost.
This card carries no annual fee and you'll have the opportunity to take advantage of a 0% introductory APR for 12 months on purchases
The Capital One® Spark® Miles Select for Business offers a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.
You can earn 1.5 miles per $1 on every purchase. Your miles won't expire for the life of the account, and there are no categories to limit where or what you buy.
There is no annual fee or foreign transaction fees to worry about making this card a viable option for business travel.
The Capital One® Spark® Cash Select for Business offers a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
You'll earn an unlimited 1.5% cash back could mean thousands of dollars each year going back into your business with no categories to limit your purchasing.
This card comes with no annual fee and employee cards at no additional cost.
The Best Bank Offers are updated here. See the below pages to get started with some of the best offers:
• Chase Bank Offers. Chase offers a range of attractive Checking, Savings and Business Accounts. Chase has a great selection of sign-up bonuses in comparison to other big banks.
• HSBC Bank Offers. HSBC Bank routinely has offers for several of their Personal Checking and Business Checking accounts. They also have a good referral program.
• Huntington Bank Offers. Huntington Bank has high bonus amounts available through their Checking and Business Checking. Huntington also offers a Business Premier Money Market Account.
• Discover Bank Offers. Discover Bank offers top cashback, savings, money market accounts and CD rates for you to take advantage of. Discover has industry leading selections to cater to your banking needs.
• TD Bank Offers. TD Bank consistently offers a fantastic selection of checking accounts to cater to your banking needs. However, savings account offers are less frequently available.
|HSBC Premier Checking Member FDIC||$475 Cash||Review|
|HSBC Premier Checking Member FDIC||Up To $700||Review|
|HSBC Advance Checking Member FDIC||$225 Cash||Review|
|HSBC Advance Checking Member FDIC||Up To $270||Review|
|Chase Premier Plus CheckingSM||$300 Cash||Review|
|Chase Total Checking®||$200 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience CheckingSM||$150 Cash||Review|
|Huntington 25 Checking||$500 Cash||Review|
|Huntington 5 Checking||$200 Cash||Review|
|Huntington Asterisk-Free Checking®||$150 Cash||Review|
|Huntington Bank Unlimited Plus Business Checking||$750 Cash||Review|
|Huntington Bank Unlimited Business Checking||$400 Cash||Review|
|Huntington Bank Business Checking 100||$200 Cash||Review|
|CIT Bank Money Market||1.30% APY||Review|
|CIT Bank Savings Builder||1.25% APY||Review|