AmEx Blue Business Cash Credit Card Review (2026.10 Update: AS HIGH AS $500 Offer)

physixfan 2026-10-18 2026-10-18

Non-affiliate disclosure: all information about this card has been collected independently by US Credit Card Guide and has not been reviewed by the issuer.

[2026.10 Update] The new offer is AS HIGH AS $500.

[2023.10 Update] The offer is now $250 ($3,000 spending in 3 months).

[2023.6 Update] The $250 offer (with $3k spending requirement) is expired.The current offer is $500 (with $15k spending requirement).

Application Link

Benefits

AS HIGH AS $500 offer: Earn $500 after spending $5,000 in first 3 months.
Earn 2% cashback on the first $50,000 in purchases each year, 1% cashback on purchases thereafter.
With this card, you can get access to Amex Offer, which usually offers very good discounts at some stores, such as: spend $15 or more and get $5 back at Walmart; spend $75 or more and get $25 back on Amazon.com.
No annual fee.
0 APR for the first 12 months.

Disadvantages

It has a foreign transaction fee, so it's not a good choice outside the US.

Recommended Application Time

You can only get the welcome bonus once in a lifetime, so be sure to apply when the historical highest offer appears.
AmEx doesn’t care about the number of hard pulls.
You can try to apply for it when you have a credit history of 6 months.
Only one AmEx credit card can be approved in a day.This rule does not apply to charge cards, you can be approved for one credit card and multiple charge cards in the day.
Multiple cards approved in the same day will only have one Hard Pull.
Only 2 AmEx credit cards can be approved within 90 days, but again, this rule does not apply to charge cards.
You can keep at most 5 AmEx credit cards, not including charge cards.

Summary

This card has similar structure to AmEx Blue Business Plus, but with Plus you earn 2x MR while with this card you earn 2% cashback.Cashback is not as rewarding as MR points.You can also earn 2% cashback with personal credit cards, such as Citi Double Cash or PayPal Cashback Mastercard, with no cap.Therefore personally I do not recommend this card.

Related Credit Cards

After Applying

Click here to check AmEx application status.

AmEx reconsideration backdoor number: 877-399-3083.

The “real” backdoor number of Amex is well protected.Different from Chase, the representatives from this AmEx reconsideration backdoor number only have the right to help you submit requests.

Historical Offers Chart

Application Link

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.