# Blue Business Cash™ Card

> Earn up to 2x on general. No annual fee.

Canonical page: https://cardstack.money/cards/blue-business-cash-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: American Express
- Network: Amex
- Annual fee: $0
- Welcome offer: $250 statement credit after you spend $3,000 in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 2x | General | Up to $50,000 |
| 1x | All other purchases | Base earn rate |

## Other benefits

- **Earn rule**: 2% cash back on the first $50,000 of eligible purchases per calendar year, then 1%. Cash back earned is automatically credited to the statement.
- **Expanded Buying Power**: Spend above your credit limit; the available amount is flexible and adapts based on your use of the Card, payment history, credit record, financial resources known to American Express, and other factors.
- **Employee Cards**: No annual fee for additional employee Blue Business Cash cards; earn cash back on employee purchases the same way as on your own card; spend alerts and summary reports included.
- **Purchase Protection**: Up to $1,000 per Covered Purchase for 90 days against theft or accidental damage; up to $50,000 per Card Member account per calendar year.
- **Extended Warranty Protection**: Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of 5 years or less.
- **Car Rental Loss and Damage Insurance (secondary)**: Decline the rental company's collision damage waiver and pay with the card to be covered for theft or damage to a Rental Vehicle in a Covered Territory; not available in Australia, Italy, or New Zealand.


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CardStack is an iOS app that automatically tracks your credit card statement credits, benefits, and points so they never expire unused. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863