Blue Business Cash Card from American Express

American Express® Blue Business Cash Card
 
 
 
Up to $500 in statement credits
Earn a $250 statement credit after $5K in purchases in the first 6 months and an additional $250 statement credit after an additional $10K in purchases in the first year. Terms apply.
Click Here to Apply

No Annual Fee

 
 

Card Type: Amex Credit Card

Base
2%

Earning rate: 2% cash back on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply.

Noteworthy perks: 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24%, 16.24%, or 19.24%, based on your creditworthiness and other factors as determined at the time of account opening. Terms Apply.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 4 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Amex cash back cards)

Blue Cash Preferred® Card from American Express
 
 
 
$250 Cash Back
$250 cash back after $1K in the first 3 months. Terms Apply.

$95 Annual Fee

 
 
Blue Cash Everyday® Card from American Express
 
 
 
$150 Cash Back
$150 cash back after $1K in the first 3 months. Terms apply.

No Annual Fee

 
 

Note that Amex is extending the timeline to meet minimum spend by 3 months for applications approved between 12/1/19 and 5/31/20. See this post for more info.

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: $250 after $1K spend targeted (last reported 10/2015)

Up to $300: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $100 back after $1K spend in 3 months. (Expired 5/3/17)