Amex Blue Business Cash

Spend $3,000 on purchases within your first 3 months and receive a $250 statement credit. The credit is applied to your account automatically — no separate redemption required. You must reach the full spending threshold within that 3-month window to qualify.

Earn 2% cash back on all eligible purchases up to $50,000 each calendar year, then 1% on spending beyond that. Rewards are automatically credited to your statement, so there is nothing to redeem. The $50,000 cap resets every January 1.

When you travel more than 100 miles from home, you have access to a 24/7 hotline for emergency assistance, including medical and legal referrals, lost luggage coordination, and emergency cash wires. You are responsible for any fees charged by third-party service providers.

New cardholders pay 0% interest on purchases for the first 12 months after account opening. After that, a variable APR of 16.74%–26.74% applies based on creditworthiness. This intro rate covers purchases only, not balance transfers.

American Express charges a foreign transaction fee on purchases made outside the U.S. or billed in a foreign currency. Keep this cost in mind if you plan to use the card for international travel or cross-border online purchases.

This card carries no annual fee, meaning you can keep it and use all its benefits year after year at no yearly cost.

This feature lets you make purchases beyond your credit limit when needed, with no over-limit fees or penalties. Those extra charges still earn cash back just like any other purchase. The amount you can exceed your limit by varies based on your account history and standing.