Best Cash Back Business Credit Cards by American Express

By Megan Doyle | American Express^® Freelance Contributor
4 Min Read | October 11, 2021

Summary

Blue Business Cash Offers Straightforward Cash Back with No Annual Fee^¤

Businesses looking to simply earn cash back rewards without paying an annual fee might find American Express’ Blue Business Cash Card to be the best business cash back card for owners and employees. The Card makes it easy to keep personal expenses separate from business expenses and boost business spending power – all while earning 2% cash back on all eligible purchases up to $50,000 in spending per calendar year. It earns 1% cash back on all purchases beyond $50,000. That could be as much as $1,000 a year or more in rewards that can be reinvested in the business and improve the bottom line.

The Blue Business Cash Card also offers a 0% intro APR on purchases for a year from the date the account is opened. After, the APR will be a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.¤ This makes the Card a great option for businesses that need to finance a larger purchase and would prefer to pay it off over an interest-free period.^¤

Similarly, businesses sometimes need to make big purchases to keep growing. That’s why the Blue Business Cash offers Card Members the flexibility to spend beyond their credit limit with Expanded Buying Power, though the amount a business can spend above their credit limit is not unlimited. It adjusts with their use of the Card, their payment history, credit record, financial resources known to American Express and other factors.

^¤Click here to see all rates and fees for Blue Business Cash.

The Plum Card Provides Cash Flow Flexibility and Rewards for Early Payments

Business owners know that cash flow isn’t always predictable. And even when it is, it’s not always positive. That’s why The Plum Card offers the flexibility a business needs to better manage cash flow. When cash is available to make early payments, you’ll earn unlimited 1.5% cash back on the portion of your balance paid within 10 days of the statement closing date – as long as you pay the minimum payment by the payment due date. There are no spending categories to worry about – just savings automatically applied to your next statement.

For those months when the business needs a little more wiggle room, The Plum Card has your back with up to 60 days to pay without interest. In other words, by paying at least the minimum payment by the payment due date, you can defer paying the remainder of a new balance until the payment due date on your next billing payment – interest free. And to make life simpler, you can choose which day to get your bill each month.

In addition, The Plum Card has no preset spending limit, a unique feature that gives you the ability to unlock more purchase power as you use your Card. This means the spending limit is flexible. In fact, unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history. You’ll also get perks like no foreign transaction fees, access to the American Express Business App, and more.

Click here to see all rates and fee for The Plum Card.