Are you in the market for a new card and considering the Blue Business Cash™ Card? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to other cards on the market.
First, let's cover the basics. In reviewing the card, we rated it a 4.7 out of 5.0, which means that like many other cards, we found the Blue Business Cash™ Card to have some solid benefits and some possible drawbacks.
The Blue Business Cash™ Card from American Express is a no-fuss card that earns cash back for your business and automatically applies it to your billing statement.
Next up, let's dive into the details you should consider before applying. Here's a rundown of the card's key features, rates, and terms:
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BEST OVERALL RATING
★★★★★
4.7
- Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your card within the first 6 months of Card Membership.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- Buy above your credit limit with Expanded Buying Power. Make business purchases over your credit limit with no penalty or enrollments, and still earn cash back on those purchases. Terms apply.
- 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR applies
- Get an approval decision in as little as 30 seconds
- $0 Annual Fee
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0% for 12 months
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N/A
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17.74% - 25.74% Variable
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$0
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Good/Excellent
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There's certainly a lot to like about the Blue Business Cash™ Card. But just like with other cards we review, we stress that potential applicants should pay attention to this card's rates and fees as part of the bigger overall picture.
Let's dive deeper into those rates and fees, as they could make or break whether owning the card makes sense for you and your financial situation.
The interest rate, also known as APR (annual percentage rate), tells you what percentage of your balance you can expect to pay in interest annually if you carry a balance.
According to the issuer, the Blue Business Cash™ Card currently charges the following interest rates on purchases and balance transfers:
- Purchase Intro: 0% for 12 months
- Balance Transfer Intro: N/A
- Regular APR: 17.74% - 25.74% Variable
Another possible expense to consider is the annual fee, which is the amount a cardholder is required to pay each year for the privilege of owning a particular card.
Here's the annual fee for the Blue Business Cash™ Card as listed by the issuer:
See site for details »
So far, we've covered the Blue Business Cash™ Card in great detail, from its many benefits to its current rates and fees. But what are your odds of approval? What credit score is needed to become a cardholder?
According to the issuer, the current general credit history requirement for the card is:
- Credit Level: Good/Excellent
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the card is offering today, you may want to apply now to lock it in its current terms before it's too late.
We've discussed the many benefits, drawbacks, and requirements of the Blue Business Cash™ Card, but how does it rank versus similar cards on the market? Below are all the category-specific ratings our team gives the card, along with the card's ranking within each category.
Quick hint: Want to see our best-reviewed cards in each category? Simply click the category name to see our top picks:
All told, our team's review of the Blue Business Cash™ Card resulted in a rating of 4.7 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks. If you determine that it's a fit for your needs, you may want to apply soon, as terms throughout the industry change regularly.
We hope our guide has been helpful in learning all you need to know about the Blue Business Cash™ Card. We wish you the very best on your financial journey!
Be sure to visit the official website for Blue Business Cash™ Card to learn complete details about its features and terms. If you’re not quite sure if Blue Business Cash™ Card is right for you, we encourage you to check out these guides to popular alternatives:
Before applying for the Blue Business Cash™ Card offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.
Toby founded Digital Brands, the parent company of CardRates.com and its sister sites, and now serves as Chairman of the Board. He lends his 15 years of credit card industry experience to educate consumers on the responsible use of credit. His knowledge base spans credit card reward programs to credit repair, lending, and credit bureau reporting.
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