U.S. Bank Triple Cash Rewards Business Card Vs. Amex Blue Business Cash – Forbes Advisor

Still Good Welcome Bonus and Introductory APR

The American Express Blue Business Cash™ Card (Terms apply. See rates & fees) comes with a welcome offer that is attractive for a no annual fee card: $250 statement credit after making $3,000 in purchases within the first 3 months of account opening. This offer is less than the U.S. Bank option and you get two fewer months to qualify, which could be a deal-breaker between the two.

The card offers a 0% intro APR on purchases for 12 months from the date of account opening, then a 13.24% – 21.24% variable APR applies on purchases and balance transfers. Balance transfers must be completed within 60 days of account opening and a fee of $5 or 3%, whichever is greater applies.

Cash Back Rate

This card comes with a much more straightforward earning rate. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. This makes a great catchall card, great for those who don’t want to think about whether or not specific categories have a higher earning rate.

Expanded Buying Power

While you are assigned a credit limit on this card, you can enjoy flexible buying power. This allows you to spend beyond your credit limit when your business needs it. The amount isn’t unlimited but is determined by your use of the card, payment history, credit record, and other factors.

When using this feature, your minimum payment on your following credit card statement would be whatever your payment would be if your card was maxed out plus whatever balance is in excess of your assigned credit limit.

Miscellaneous Benefits

American Express offers a slew of expense management tools to help keep your business running smoothly. Employee cards are capped at 99 per account but available at no additional cost and spend completed on these cards will credit your account with cash back. Once enrolled, auto-expense categorization can be utilized, allowing you to tag transactions with your QuickBook categories. Account alerts help you avoid late payments, monitor spending across all of your cards and notify you of suspicious or irregular activity. Finally, you can enroll in Vendor Pay by Bill.com. The basic plan has no monthly fee for the primary user.

This card isn’t designed or marketed as a travel card but does offer a few benefits. Car rental loss and damage insurance* are available when paying for an entire rental with your card and declining the collision damage waiver, exclusions apply. Global Assist® Hotline* provides a catchall of service when traveling. From a lost passport, missing luggage or emergency medical services, Global Assist is just one call away. Cardmembers are responsible for any end costs associated.

American Express Blue Business Cash™ Card

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On American Express’s Secure Website

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On American Express’s Secure Website

Up to 2% Reward Rate

Earn 2% Cash Back on all eligible purchases on up to $50,000 per calendar year; Earn 1% Cash Back onRead More

Welcome Bonus

Earn a $250 statement credit

Regular APR

13.24% – 21.24% Variable

Credit Score

Excellent/Good (700 – 749)

Why We Picked It

Considering there’s no annual fee, the American Express Blue Business Cash™ Card pays off for business owners who spend $50k or less per year. Just don’t use the card overseas, as the foreign transaction fee eclipses the cashback rewards.

Pros & Cons

• No annual fee
• Introductory APR on purchases
• Great extra benefits like purchase protection and car rental insurance
• Business-oriented benefits like employee cards and authorized management accounts

• Highest-earning cash back reward capped after $50,000 in annual spending
• High foreign transaction fees
• No low introductory APR for balance transfers

Card Details

• 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% – 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
• No Annual Fee
• Terms Apply
• See Rates & Fees