AmEx Blue Business Cash Credit Card Review (2023.10 Update: $250 Offer)

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

Blue Business Cash™ Card from American Express Review

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).

2022.9 Update: There is a new $500 offer, but it requires $15k spending in total. The $250 offer (with $3k spending requirement) is still available.

Application Link


  1. $250 offer: Earn $250 after spending $3,000 in first 3 months. 
  2. Earn 2% cashback on the first $50,000 in purchases each year, 1% cashback on purchases thereafter.
  3. 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
  4. No annual fee.
  5. 0 APR for the first 12 months.


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

Recommended Application Time

  1. You can only get the welcome bonus once in a lifetime, so be sure to apply when the historical highest offer appears.
  2. AmEx doesn’t care about the number of hard pulls.
  3. You can try to apply for it when you have a credit history of 6 months.
  4. 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.
  5. Only 2 AmEx credit cards can be approved within 90 days, but again, this rule does not apply to charge cards.
  6. You can keep at most 5 AmEx credit cards, not including charge cards.


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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