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Thursday, August 5, 2021

The Amex Blue Business Plus and Business Cash cards don’t usually offer a welcome bonus, but new offers have sweetened the deal

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The no-annual-fee American Express Blue Business Cash™ Card (See Rates) and The Blue Business® Plus Credit Card from American Express (See Rates) don’t normally offer a welcome bonus, but they’re popular picks for small-business owners because they earn strong rewards and come with added protections like extended warranty and secondary car rental insurance.

Read more: The best American Express cards in 2021

Now, Amex has added a welcome bonus to both cards — so it’s a great time to apply. With the American Express Blue Business Cash™ Card, you can earn a $250 statement credit after you spend $3,000 in purchases on your card in your first 3 months. And if you prefer earning Amex Membership Rewards points, The Blue Business® Plus Credit Card from American Express comes with a bonus of 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first 3 months of card membership.

Here’s what to know if you’re considering the American Express Blue Business Cash™ Card or The Blue Business® Plus Credit Card from American Express.



Annual Fee

$0

Regular APR

13.24% to 19.24% variable APR

Credit Score

Good to Excellent

Editor’s Rating




Featured Reward

$250 statement credit after you spend $3,000 in purchases on your card in your first 3 months

Intro APR

0% intro APR on purchases for 12 months from account opening

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details
  • Pros
    • Good choice for earning 2% cash back on all your purchases up to $50,000 a year
    • Intro APR offer
    • No annual fee
    Cons
    • If your business spends more than $50,000 a year, you’ll want to use a different card to earn bonus cash back once you meet that threshold
    • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
    • 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.
    • 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.
    • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
    • No Annual Fee
    • Terms Apply

    The American Express Blue Business Cash™ Card is a good choice for small-business owners who prefer the simplicity of cash back. Along with the new welcome bonus, you’ll earn 2% cash back on all eligible purchases, on the first $50,000 spent per calendar year (then 1% back).

    If you spend the maximum at the 2% tier ($50,000 per year, or an average of $4,167 per month) you could earn $1,000 in annual cash-back rewards (cash back is earned in the form of Rewards Dollars). 

    Read more: Amex Blue Business Cash Card review



    New cardholders also have the opportunity to save money on interest. The American Express Blue Business Cash™ Card offers an introductory 0% APR on purchases for the first 12 months (then a 13.24% to 19.24% variable APR) (See Rates). This could be useful if your small business has large expenses coming up that you’d like to pay for over time.

    As a no-annual-fee card, the American Express Blue Business Cash™ Card isn’t packed with luxury perks, but it does offer a handful of useful benefits that could save you money if you use them:

    • Purchase protection
    • Extended warranty
    • Secondary car rental insurance
    • Global Assist Hotline
    • Access to money-saving Amex Offers** and American Express Experiences
    • Tools and features for small-business owners, including free employee cards, access to the American Express business app, and the ability to spend above your credit limit

    Read more: The best low-interest or 0% APR credit cards

    Annual Fee

    $0

    Regular APR




    13.24% to 19.24% variable APR

    Credit Score

    Good to Excellent

    Editor’s Rating

    Featured Reward

    15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first 3 months of card membership

    Intro APR

    0% intro APR on purchases for the first 12 months from account opening

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details
  • Pros
    • The rare no-annual-fee card to earn Amex Membership Rewards points
    • Solid earning rate on the first $50,000 in purchases each year
    Cons
    • For spending above $50,000 each year, you will only earn 1 point per dollar
    • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
    • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
    • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
    • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors at account opening.
    • No Annual Fee
    • Terms Apply

    Read Our ReviewRead Our Review A looong arrow, pointing right

    Amex Membership Rewards® is one of the most valuable points programs, so earning the new bonus on The Blue Business® Plus Credit Card from American Express is a great deal if you prefer flexible points. Cardholders can earn 2 Membership Rewards points per dollar on all purchases up to $50,000 per calendar year, and 1 point per dollar beyond that.



    Read more: Amex Blue Business Plus Card review

    You can transfer Amex points to over 20 airline and hotel partners or redeem them directly for flights, hotels, and other travel through the Amex Travel Portal — and if you’re not ready to travel just yet, you can use them toward gift cards, merchandise, cash back, and more.

    The Blue Business® Plus Credit Card from American Express also offers an introductory 0% APR on purchases for the first 12 months (then a 13.24% to 19.24% variable APR) (See Rates).

    It comes with the same travel and purchase protections as the American Express Blue Business Cash™ Card, including extended warranty, purchase protection, and secondary car rental insurance.

    Which Amex Blue Business card is right for you?

    If you’re trying to decide between the American Express Blue Business Cash™ Card and The Blue Business® Plus Credit Card from American Express, the best choice really boils down to the kind of rewards you want to earn and how involved you want to be in redeeming them.

    For those who prefer simplicity, the American Express Blue Business Cash™ Card is a better pick. You won’t have to worry about award charts or redemption options — instead, the cash back you earn is automatically credited to your statement.

    However, if you’re looking to squeeze the most from your rewards, The Blue Business® Plus Credit Card from American Express offers the opportunity to get outsized value by transferring points to airline and hotel partners. It’s not uncommon to get 2 or more cents per point when you redeem this way, particularly if you book expensive first- or business-class award flights or book luxury hotel stays with your rewards.

    In fact, The Blue Business® Plus Credit Card from American Express is part of the “Amex Trifecta” — a card combination that can help you earn the most rewards from your spending. When you have The Blue Business® Plus Credit Card from American Express, The Platinum Card® from American Express </span> , and <a target="_blank" rel="noopener nofollow external noreferrer sponsored" data-analytics-product-module="commerce_link" href="https://www.businessinsider.com/reviews/out?platform=browser&postSource=bi%7C60f98e0e09e0353dd443421a&sc=false&type=LINK-WITH-REVIEW-SLASH-OUT&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26673981%26cr%3D28006%26last_updated%3D1598056619" data-analytics-module="body_link" data-wpel-link="external">American Express® Gold Card</a><span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="Unlike typical credit cards, the American Express® Gold Card allows you to carry a balance for certain charges, but not all." data-tooltip-position="top"><title /> </span> , you can earn 2x to 5x points for every purchase you make.</p><div class="fCR0frJr" style="clear:both;float:left;width:100%;margin:0 0 20px 0;"><script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script><br /> <ins class="adsbygoogle" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-ad-client="ca-pub-7681743349234267" data-ad-slot="5579519806"></ins><br /> <script>(adsbygoogle = window.adsbygoogle || []).push({});</script></p><p><amp-ad width="100vw" height="320" type="adsense" data-ad-client="ca-pub-7681743349234267" data-ad-slot="3709535369" data-auto-format="rspv" data-full-width=""></p><div overflow=""></div><p></amp-ad></div><div class="related-content-container headline-bold"><p>More Credit Card Coverage</p></p></div><section class="rpm-container"> <span class="rpm-heading headline-bold">Featured business cards from our partners</span></p><div class="rpm-product"><div class="rpm-body"><aside class="rpm-product-aside"> <a href="https://www.businessinsider.com/reviews/out?platform=browser&postSource=bi%7C60f98e0e09e0353dd443421a&sc=false&type=LINK-WITH-REVIEW-SLASH-OUT&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26675957%26cr%3D28023%26last_updated%3D1598298131" target="_blank" rel="noopener nofollow external noreferrer sponsored" data-analytics-product="5e78e372671de020577f79f5" data-analytics-product-brand="American Express" data-analytics-product-name="The Business Platinum Card® from American Express" data-analytics-product-module="related-products" data-analytics-product-area="pf_image" data-analytics-module="related-products" data-wpel-link="external"></p><div class="lazy-holder lazy-holder "> <img class="lazy-image " src="https://i.insider.com/60dde52b12b6f300180a3170?width=400" alt="American Express The Business Platinum Card® from American Express"> <img src="https://www.businessinsider.com/personal-finance/amex-blue-business-plus-cash-new-welcome-bonuses-2021-7?width=600&format=jpeg&auto=webp"></div><p> </a> <a href="https://www.businessinsider.com/reviews/out?platform=browser&postSource=bi%7C60f98e0e09e0353dd443421a&sc=false&type=LINK-WITH-REVIEW-SLASH-OUT&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26675957%26cr%3D28023%26last_updated%3D1598298131" target="_blank" rel="noopener nofollow external noreferrer sponsored" class="insider-pick-button not-content-link headline-bold rpm-product-button" data-analytics-product="5e78e372671de020577f79f5" data-analytics-product-brand="American Express" data-analytics-product-name="The Business Platinum Card® from American Express" data-analytics-product-module="related-products" data-analytics-product-area="pf_cta" data-analytics-module="related-products" data-wpel-link="external"> Apply Now </a></aside><div class="rpm-product-summary"><div class="rpm-product-column"><p> <span class="rpm-product-column-title headline-bold">Featured Reward</span> <span class="rpm-product-column-data headline-regular">100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership</span></p></p></div><div class="rpm-product-column"><p> <span class="rpm-product-column-title headline-bold">Credit Needed</span> <span class="rpm-product-column-data headline-regular">Good to Excellent</span></p></p></div></p></div></p></div></p></div><div class="rpm-product"><div class="rpm-body"><aside class="rpm-product-aside"> <a href="https://www.businessinsider.com/reviews/out?platform=browser&postSource=bi%7C60f98e0e09e0353dd443421a&sc=false&type=LINK-WITH-REVIEW-SLASH-OUT&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26675951%26cr%3D28012%26last_updated%3D1598058525" target="_blank" rel="noopener nofollow external noreferrer sponsored" data-analytics-product="5e824adc487c2258152d2483" data-analytics-product-brand="American Express" data-analytics-product-name="The Blue Business® Plus Credit Card from American Express" data-analytics-product-module="related-products" data-analytics-product-area="pf_image" data-analytics-module="related-products" data-wpel-link="external"></p><div class="lazy-holder lazy-holder "> <img class="lazy-image " src="https://i.insider.com/60b8e87f02ac410018f94073?width=400" alt="American Express The Blue Business® Plus Credit Card from American Express"> <img src="https://www.businessinsider.com/personal-finance/amex-blue-business-plus-cash-new-welcome-bonuses-2021-7?width=600&format=jpeg&auto=webp"></div><p> </a> <a href="https://www.businessinsider.com/reviews/out?platform=browser&postSource=bi%7C60f98e0e09e0353dd443421a&sc=false&type=LINK-WITH-REVIEW-SLASH-OUT&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26675951%26cr%3D28012%26last_updated%3D1598058525" target="_blank" rel="noopener nofollow external noreferrer sponsored" class="insider-pick-button not-content-link headline-bold rpm-product-button" data-analytics-product="5e824adc487c2258152d2483" data-analytics-product-brand="American Express" data-analytics-product-name="The Blue Business® Plus Credit Card from American Express" data-analytics-product-module="related-products" data-analytics-product-area="pf_cta" data-analytics-module="related-products" data-wpel-link="external"> Apply Now </a></aside><div class="rpm-product-summary"><div class="rpm-product-column"><p> <span class="rpm-product-column-title headline-bold">Featured Reward</span> <span class="rpm-product-column-data headline-regular">15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first 3 months of card membership</span></p></p></div><div class="rpm-product-column"><p> <span class="rpm-product-column-title headline-bold">Credit Needed</span> <span class="rpm-product-column-data headline-regular">Good to Excellent</span></p><div class="da47UIyP" style="clear:both;float:left;width:100%;margin:0 0 20px 0;"><script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script><br /> <br /> <ins class="adsbygoogle" style="display:block" data-ad-client="ca-pub-7681743349234267" data-ad-slot="1831846488" data-ad-format="auto" data-full-width-responsive="true"></ins><br /> <script>(adsbygoogle = window.adsbygoogle || []).push({});</script></p><p><amp-ad width="100vw" height="320" type="adsense" data-ad-client="ca-pub-7681743349234267" data-ad-slot="1831846488" data-auto-format="rspv" data-full-width=""></p><div overflow=""></div><p></amp-ad></div></p></div></p></div></p></div></p></div><div class="rpm-product"><div class="rpm-body"><aside class="rpm-product-aside"> <a href="https://www.businessinsider.com/reviews/out?platform=browser&postSource=bi%7C60f98e0e09e0353dd443421a&sc=false&type=LINK-WITH-REVIEW-SLASH-OUT&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26674324%26cr%3D28507%26last_updated%3D1599685178" target="_blank" rel="noopener nofollow external noreferrer sponsored" data-analytics-product="5e7425f9c48540424e6fabb3" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Preferred® Credit Card" data-analytics-product-module="related-products" data-analytics-product-area="pf_image" data-analytics-module="related-products" data-wpel-link="external"></p><div class="lazy-holder lazy-holder "> <img class="lazy-image " src="https://i.insider.com/5f63b83e323fc4001e0d6f7f?width=400" alt="Chase Ink Business Preferred® Credit Card"> <img src="https://www.businessinsider.com/personal-finance/amex-blue-business-plus-cash-new-welcome-bonuses-2021-7?width=600&format=jpeg&auto=webp"></div><p> </a> <a href="https://www.businessinsider.com/reviews/out?platform=browser&postSource=bi%7C60f98e0e09e0353dd443421a&sc=false&type=LINK-WITH-REVIEW-SLASH-OUT&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26674324%26cr%3D28507%26last_updated%3D1599685178" target="_blank" rel="noopener nofollow external noreferrer sponsored" class="insider-pick-button not-content-link headline-bold rpm-product-button" data-analytics-product="5e7425f9c48540424e6fabb3" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Preferred® Credit Card" data-analytics-product-module="related-products" data-analytics-product-area="pf_cta" data-analytics-module="related-products" data-wpel-link="external"> Apply Now </a></aside><div class="rpm-product-summary"><div class="rpm-product-column"><div class="rpm-product-column-rating"> <span class="rpm-product-column-data headline-regular">Editor’s Rating</span></div><p> <span class="rpm-product-column-title headline-bold">Annual Fee</span> <span class="rpm-product-column-data headline-regular">$95</span></p></p></div><div class="rpm-product-column"><p> <span class="rpm-product-column-title headline-bold">Featured Reward</span> <span class="rpm-product-column-data headline-regular">100,000 points after spending $15,000 on purchases in the first 3 months from account opening</span></p></p></div><div class="rpm-product-column"><p> <span class="rpm-product-column-title headline-bold">Credit Needed</span> <span class="rpm-product-column-data headline-regular"> Good to Excellent</span></p></p></div></p></div></p></div></p></div></section><p> <a href="https://newsfinale.com/" target="_blank" rel="noopener" data-wpel-link="internal"> Source: </a> Business Insider</p><div class="jm9RqaOH" style="clear:both;float:left;width:100%;margin:0 0 20px 0;"><script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script><br /> <ins class="adsbygoogle" style="display:block; text-align:center;" data-ad-layout="in-article" data-ad-format="fluid" data-ad-client="ca-pub-7681743349234267" data-ad-slot="5579519806"></ins><br /> <script>(adsbygoogle = window.adsbygoogle || []).push({});</script></p><p><amp-ad width="100vw" height="320" type="adsense" data-ad-client="ca-pub-7681743349234267" data-ad-slot="3709535369" data-auto-format="rspv" data-full-width=""></p><div overflow=""></div><p></amp-ad></div></p></div></div><div class="td-block td-a-rec td-a-rec-id-custom-spot tdi_100 td_block_template_1"><style>/* inline tdc_css att */ /* phone */ @media (max-width: 767px) { .tdi_100{ margin-right:-20px !important; margin-left:-20px !important; padding-right:20px !important; padding-left:20px !important; } }</style><style>/* custom css */ .tdi_100.td-a-rec{ text-align: center; }.tdi_100 .td-element-style{ z-index: -1; } /* phone */ @media (max-width: 767px){ .tdi_100.td-a-rec-img img{ max-width: 300px; width: 100%; } }</style><script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script> <ins class="adsbygoogle" style="display:block" data-ad-client="ca-pub-7681743349234267" data-ad-slot="8178419526" data-ad-format="auto" data-full-width-responsive="true"></ins> <script>(adsbygoogle = window.adsbygoogle || []).push({});</script></div><div class="vc_row_inner tdi_102 vc_row vc_inner wpb_row td-pb-row" ><style scoped>/* custom css */ .tdi_102{ position: relative !important; top: 0; transform: none; -webkit-transform: none; }.tdi_102, .tdi_102 .tdc-inner-columns{ display: block; }.tdi_102 .tdc-inner-columns{ width: 100%; } /* inline tdc_css att */ .tdi_102{ margin-top:30px !important; } .tdi_102 .td_block_wrap{ text-align:left }</style><div class="vc_column_inner tdi_104 wpb_column vc_column_container tdc-inner-column td-pb-span12"><style scoped>/* custom css */ .tdi_104{ vertical-align: baseline; }.tdi_104 .vc_column-inner > .wpb_wrapper, .tdi_104 .vc_column-inner > .wpb_wrapper .tdc-elements{ display: block; }.tdi_104 .vc_column-inner > .wpb_wrapper .tdc-elements{ width: 100%; }</style><div class="vc_column-inner"><div class="wpb_wrapper"></div></div></div></div><div class="tdb-author-box td_block_wrap tdb_single_author_box tdi_108 tdb-content-vert-top td-pb-border-top td_block_template_1" data-td-block-uid="tdi_108" 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class="td_module_flex td_module_flex_1 td_module_wrap td-animation-stack"><div class="td-module-container td-category-pos-above"><div class="td-image-container"><div class="td-module-thumb"><a href="https://newsfinale.com/gossip/asia-leeshawn-ferguson-death-video-and-reddit-how-did-she-die/" rel="bookmark" class="td-image-wrap " title="Asia Leeshawn Ferguson Death Video And Reddit – How Did She Die?" ><span class="entry-thumb td-thumb-css" data-type="css_image" data-img-url="https://newsfinale.com/wp-content/uploads/2021/08/asia-leeshawn-ferguson-death-video-and-reddit-how-did-she-die-485x360.jpg" ></span></a></div></div><div class="td-module-meta-info"> <a href="https://newsfinale.com/category/gossip/" class="td-post-category" data-wpel-link="internal">Gossip</a><h3 class="entry-title td-module-title"><a href="https://newsfinale.com/gossip/asia-leeshawn-ferguson-death-video-and-reddit-how-did-she-die/" rel="bookmark" title="Asia Leeshawn Ferguson Death Video And Reddit – How Did She 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