This card’s offer has also added “as high as” wording, so you won’t know how much you can get until after you fill out the information. The good news is that the welcome bonus can now be as high as $500! Also, simply checking the bonus amount has no impact on your credit, as long as you don’t accept the offer.
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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: Up to $500 (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 0% APR Period and Practical Uses of Credit Card 0% APR
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: Introduction to Open Savings
- 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 in Small Business Day promotions every year, 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 Experian 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
