【2021.6 Update】The welcome bonus has increased to $250 + $250, which is quite rare for a no-annual-fee business credit card. The 2% cash back on all purchases is also very easy to use.
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AMEX Blue Business Cash Business Credit Card
【Note】If this is your first time applying for a business credit card, please first read “Introduction to Business Credit Cards”
AMEX Blue Business Cash Business Credit Card
2% cash back on all purchases! No annual fee!
- Welcome bonus: $250 (spend $5,000 in the first six months)
- Rewards: 2% cash back on all purchases (on up to the first 50k in purchases each year)
- Redemption: Direct cash redemption
- Annual fee: $0
- Apply now>>
Benefits
- 0% APR: Purchases made after opening the card can enjoy a 12-month intro APR period. You only need to pay the minimum each month. Note: you must pay at least the minimum every month. See also: How to Pay During a 0APR Period and Practical Uses of Credit Card 0APR
AMEX Card Benefits
- 【Business Card Exclusive】 AMEX Open Savings: Use an AMEX business credit card at eligible merchants to earn an extra 2x MR or get a 5% discount. Participating merchants include FedEx Express and FedEx Ground, Hertz®, HP.com, etc. See: Open Savings Introduction
- AMEX offer: Amazon $20 back on $20, Walmart 15-5, and $10 back on $75 phone bill payments. Generous AMEX often sends cardholders great offers that let you earn cash rewards while spending. See also: Recent Great AMEX Offers, Past Great AMEX Offers Summary, and AMEX OFFER Explained.
- 【Business Card Exclusive】 More and better AMEX Offers: As a business credit card, it may receive more good offers, such as 20% off at Staples, Office Depot Offer, Sam's Club, etc. (gift cards may be purchased). These exclusive offers are generally not sent to personal credit cards.
- Small Business Day: AMEX credit cards can participate every year in Small Business Day promotions, with extra rewards at eligible merchants. See: Introduction to the Small business Day Promotion
- High credit limits: AMEX is very generous with customers and often gives much higher credit limits than other banks.
- 3x credit limit increase: On day 61 after getting an AMEX card, you may request a credit limit increase up to 3x your original limit through the website.
- Free ShopRunner membership: Enjoy free 2-day shipping at many online stores. See details here: Official Link
- Extended warranty: Items purchased in full with an AMEX card get the manufacturer warranty extended by one year automatically
- Free report: Cardholders can check their EX credit bureau credit score for free. See: Comparison of Free Credit Scores
Cons
- No especially high-rewards bonus categories
My Take
This is basically a pure 2% cash back business card. Without a welcome bonus, it would not be very compelling to apply for. If product changes from other business cards to this card are allowed, then it might have some value.
Application:
【Note】If this is your first time applying for a business credit card, please first read “Introduction to Business Credit Cards”
This card is relatively easy to get approved for; generally, about one year of credit history is enough for instant approval.
- AMEX official application status check link
- For the same AMEX credit card, the public welcome bonus is generally available only once (once-per-lifetime restriction)
- You can call the reconsideration line (800-528-4800, 877-399-3083, 866-314-0237) to speed up credit card approval or request a review of a denied application.
- AMEX limits you to 4 credit cards and 10 charge cards total.
- You can apply for a total of two AMEX credit cards every 90 days, excluding charge cards.
- After you submit your application, a pop-up may appear telling you that you are not eligible for the welcome bonus. In that case, it is usually best not to continue with the application (detailed analysis)
- More about applying for AMEX credit cards