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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
American Express Blue Business Cash Card review: Double cash back with no annual fee
When Ryan worked as a TPG credit cards writer, he oversaw refreshes of card reviews and card offer stories. He enjoyed racking up cash back and helping readers maximize their points and miles for their next big trip.
also contributed to this story
January 28, 2025 • 8 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers.
Quick summary
A business card offers a straightforward cash-back structure, providing a set percentage back on eligible purchases up to a yearly cap, then a lower rate thereafter.
Rewards are automatically credited as statement credits, simplifying redemption for cardholders.
The card features tools for tracking business expenses and allows purchases above the credit limit, subject to repayment requirements.
Additional benefits include secondary car rental coverage, extended warranty, purchase protection and access to a global assistance hotline.
What to consider
Cash-back earnings drop after reaching the annual spending threshold.
A foreign transaction fee applies, making it less suitable for frequent international business purchases.
Redemption is limited to statement credits, with no alternative options for using rewards.
What you'll miss from the article
A detailed comparison of how this business card stacks up against other cash-back and travel-rewards options for small-business owners.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Related stories
The American Express Blue Business Cash™ Card
TPG Editor's Rating3.5 / 5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
2%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year.
1%
Earn 1% cash back on all eligible purchases thereafter. Cash back earned is automatically credited to your statement.
makes it easy for business owners to track expenses and earn 2% cash back on up to $50,000 in eligible purchases every calendar year. Once you pass that threshold, you’ll earn 1% cash back, automatically credited to your statement, on all eligible purchases. Best of all, enjoy this earning power with no annual fee (see rates and fees). Card Rating*: ⭐⭐⭐½
*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
If you're an entrepreneur, having a separate business card makes sense to help track expenses — whether they're your own or the expenses of your employees. If you’re going to carry a business credit card, you may as well earn rewards that you can use down the road.
With no annual fee and a recommended good to excellent credit score, the American Express Blue Business Cash Card is great for small-business owners on a budget. The simple rewards system — with no rotating categories to track — makes it a great card for everyday business use.
Let’s look at the other benefits the Amex Blue Business Cash provides for business owners looking for a simple, straightforward cash-back rewards card.
Blue Business Cash pros and cons
Pros
Cons
Simple cash back earnings
Cash back earned is automatically credited to your statement
No annual fee
Businesses with high overhead may get better value with a different card
Charges a foreign transaction fee
Blue Business Cash welcome offer
The offers new applicants a $250 statement credit after spending $3,000 in purchases on your card in the first three months of card membership.
THE POINTS GUY
This is a pretty standard offer, comparable to what you'd get with a cash-back or no-annual-fee card. For small businesses, this spending requirement should be easy to hit. However, if you're spending more significantly on a credit card, you might want to choose a business card with a more valuable welcome bonus.
The is a conventional card with a useful perk. The Expanded Buying Power feature on the card allows you to exceed your spending limit with no over-limit fees or penalties. You can even earn cash-back rewards on purchases that exceed your credit limit.
You must still pay your minimum payment, which would include any purchases charged over your limit. Still, at TPG, we always recommend paying your balance in full whenever possible to avoid interest charges.
A caveat: Exceeding your credit limit could reduce your credit score since your credit utilization ratio factors heavily into your credit score.
The card also delivers concierge-level service through the Global Assist Hotline feature when you travel more than 100 miles from home.^ Global Assist includes 24/7 emergency assistance and coordination services for medical or legal referrals. Amex can also help with missing luggage and emergency cash wires. Cardmembers must pay the charges for third-party services.
*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
**Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
^^Eligibility and Benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
To earn rewards, simply use your to make in-store or online purchases or to pay bills. You’ll earn 2% cash back on the first $50,000 in purchases you make each calendar year. After that, you'll earn 1% back on all purchases.
ZEYNEPKAYA/GETTY IMAGES
Those aren't otherworldly earnings rates, but they're solid for a business card with no annual fee. And they're easy to grasp and remember.
Your cash back on the appears as an automatic monthly statement credit. Thus, you’re effectively reducing your business operating expenses thanks to cash-back rewards appearing on your account.
PIXELSEFFECT/GETTY IMAGES
On one hand, some may be disappointed that they don't have multiple redemption options. On the other, the automatic statement credit ensures that you'll get the full value of your rewards without making any decisions or remembering to redeem anything.
Several business cards can match (or outdo) the . A few of these cards include:
If you want better earning rates: The (see rates and fees) from Chase also has no annual fee and offers heftier rewards in certain categories—notably, 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, phone and cable services each account anniversary year. To learn more, read our full review of the Ink Business Cash.
If you prefer travel rewards: Take a look at . As a cardmember, you’ll earn 2 points per dollar spent on the first $50,000 in purchases in a calendar year, then 1 point per dollar spent on other purchases. The points are valued at an average of 2 cents each, based on TPG’s January 2025 valuations, making them worth their merit. To learn more, read our full review of the Blue Business Plus.
If you want custom rewards: Big spenders might prefer a more robust card like the . It carries a hefty annual fee of $375 a year (see rates and fees), but bigger business owners will like the 4 points per dollar spent on business-friendly categories where the business spends the most in two select categories each billing cycle, up to the first $150,000 spent in those categories per calendar year (then 1 point per dollar spent after that). To learn more, read our full review of the Amex Business Gold.
The isn't the most valuable cash-back business card out there — it's mostly designed to help small-business owners manage and track their spending while earning rewards. But for many small-business owners, the Blue Business Cash offers simple and easy-to-redeem rewards at no cost.
Bottom line
The Amex Blue Business Cash is lacking in some areas, but the 2% cash-back reward rate (on the first $50,000 each calendar year, then 1%) means you're earning some money back on eligible business expenses. If your business has high operation costs, you might want to consider a card that features a more lucrative welcome bonus and elevated earning rates in specific categories.
However, the simplicity of using this card, coupled with the lack of an annual fee, may entice small-business owners who want an easy way to earn rewards for their business expenses.
