If you're having trouble finding any links, be sure to check out my Best Offers pages in the menu.
Earn a $250 statement credit after you spend $3,000 in purchases on your card in your first 3 months of card membership. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Full benefits & perks
- 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power. The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- Free employee cards — add up to 99 with no additional fee, with the option to set individual spending limits
- Purchase protection and extended warranty coverage on eligible purchases
- Car rental loss and damage insurance
- Global Assist Hotline
- Does not count toward Chase's 5/24 rule
- No annual fee
- Note: this card charges a 2.7% foreign transaction fee and is not ideal for international purchases
Terms apply. Enrollment is required for certain benefits.
*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
My thoughts
This is the cash back version of the Blue Business Plus, and the choice between the two really comes down to one question: do you want cash back or travel points? If you just want straightforward money back with no thinking involved, this card is excellent. Two percent on everything up to $50,000 per year is one of the best flat rates available on a no-fee business card, and the cash back credits automatically to your statement so you never have to think about redeeming anything. The welcome offer is modest at $250, but the $3,000 spending requirement in 3 months is very achievable for most business owners. If you already have cards earning Membership Rewards and want to keep things simple with a backup card, this is a good fit. But if you want your business spending to contribute to travel rewards, the Blue Business Plus earns 2x Membership Rewards on the same purchases and gives you a lot more flexibility with how you redeem.
How to use your points
Cash back on this card is simple and automatic. Here is how it works:
- Cash back is automatically credited to your statement as Reward Dollars — no action needed
- Reward Dollars can also be redeemed at Amazon.com checkout
- No minimum redemption amount and no expiration on rewards
Automatic cash back with no annual fee and no thinking required — a solid workhorse for any small business.
- 2% on everything up to $50,000/year is one of the best flat rates on a no-fee business card
- Cash back credits automatically to your statement. You literally do not have to do anything
- The $250 welcome offer has a low, achievable $3,000 spending requirement
- Doesn't count toward 5/24 since it's a business card
- If you want travel rewards instead of cash back, the Blue Business Plus earns the same rate in Membership Rewards points
Thank you for using our card links when applying for new cards. It helps us run our small business at no extra cost to you. We appreciate your support!
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.