The American Express Blue Business Cash Card is a business credit card which means it's intended for small business owners and entrepreneurs.
Advantages of the American Express Blue Business Cash card is No annual fee.
Another benefit of the American Express Blue Business Cash card is that you can earn a $250 cash bonus after spending $3,000 on purchases within three months of account opening.
This bonus isn't the biggest you'll find among business credit cards with no annual fees, but it's a solid offer if you spend at least $1,000 per month on your card.
In addition, new American Express Blue Business Cash cardholders get a 0% APR for purchases for 12 months, followed by a variable APR from 13.24% to 19.24%.
So if you need to invest in inventory, supplies, or equipment and want the option of paying a fee over time, this could be a great option. Plus.
You will get 2% back on every major purchase you use during the 0% APR period to cover it.
The structure of this gift card is simple, but it can add up to a lot of savings each year. You will get a fixed 2% in cash on all business expenses up to $50,000 per year.
And also 1% back for any expenses that exceed that amount. That means you can earn up to $1,000 per year before maxing out the 2% reward rate.
There are no annual fees and no fees if you exceed your credit limit so the American Express Blue Business Cash Card is definitely relatively inexpensive.
Fees you should be aware of include late payment and refund fees, both of which are $39, and a 2.7% overseas transaction fee if you use them for overseas purchases.
The American Express Blue Business Cash Card has several conditions for a perks purchase compared to a similar no-fee annual business card.
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Here is a of American Express Blue Business Cash card eligible purchases
1. You will get secondary car rental coverage when you use your card to pay for a rental car, and access to the Global Assist hotline for emergency assistance 24 hours a day when you are at least 100 miles from home.
2. You will also receive an auto-renewing warranty for items that come with a five-year or less manufacturer's warranty, and purchase protection against damage or theft, which is valid for up to 90 days after the date of purchase.
3. This coverage is worth up to $1,000 per covered purchase and up to $50,000 per eligible card.
There are many reasons to consider the no annual fee American Express Blue Business Cash Card for your business, from a flat 2% business fee to $50,000 per year.
That makes the American Express Blue Business Cash Card a good choice, at least as long as you don't plan on charging more than $50,000 per year or $4,166 per month for business expenses to your card. Once you reach that threshold, you will only get 1% cash back.