Blue Business Cash
American ExpressNo annual fee2.7% foreign transaction feeIssuer's page
Already have it? Keep it.
Welcome offer unverified
Verify the current offer with the issuer before applying.
As high as $500 after spending $5K within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%. Terms apply.
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
Miles' first-year value is unavailable right now.
Earning
| Rate | Category | Return |
|---|---|---|
| 2% | All other purchasesup to $50K spend per year, then 1% thereafter | 2% |
Business card · Earns Cash Back
Benefits
Protections (3)
- Purchase Protection, up to $1,000, 90 days coverage for theft/damage up to $1,000 per occurrence, $50,000 per year
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by up to 1 additional year for warranties of 5 years or less, up to $10,000 per item, $50,000 per account per year
- Car Rental Insurance (secondary), up to $50,000, Secondary coverage for rental car damage or theft, up to $50,000 per rental agreement
Other Perks
- 0% intro APR on purchases for 12 months (16.74%-28.49% variable after)
- Expanded Buying Power: spend beyond credit limit with no over-limit fees
- Add up to 99 employee cards at no additional fee
- Set unique spending limits for each employee card
- Cash back automatically credited to statement
- Global Assist Hotline for emergency assistance while traveling
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from $250 after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months to As high as $500 after spending $5K within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%. Terms apply.Oct 13, 2026
- changed from 3000 to 5000Oct 13, 2026
- changed from null to Audience: individualized; Sign up bonus snapshot: As high as $500 after spending $5K within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%. Terms apply.Oct 13, 2026
- changed from null to credit_lineOct 11, 2026
- changed from null to Blue Business CashOct 8, 2026
- changed from null to creditSep 2, 2026
- changed from null to 3000Aug 13, 2026
- changed from null to 90Aug 13, 2026