Compare Cash Back Business Cards
Explore ways to earn cash back with your Card by comparing cash back business Cards. Terms Apply
Graphite™ Business Cash Unlimited Card
$295 Annual Fee¤†
Blue Business Cash® Card
$0 Annual Fee¤
| graphite | blue-business-cash | Not Available | |
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New Card Member Offer | |||
Annual Fee | $295 Annual Fee¤† | $0 Annual Fee¤ | |
APR | |||
What You Earn | Cash Back | Statement Credits | |
How You Earn | Get unlimited 2% cash backon all eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.‡ Earn 5% cash backon flights and prepaid hotels, when you book at American Express Travel® Online. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.‡ Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate. | Earn 2% cash backon the first $50,000 of eligible purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.‡ |
| graphite | blue-business-cash | Not Available | |
|---|---|---|---|
Pay Over Time‡ You decide what’s best for your business - pay in full when it makes sense, or pay over time to help manage your cash flow. Eligible purchases are automatically added to your Pay Over Time balance, up to your Pay Over Time Limit. You can choose to pay for those purchases over time with interest. Any purchase - or portion of a purchase - not added to your Pay Over Time balance must be paid in full each month. | |||
No Preset Spending Limit‡ No Preset Spending Limit‡ means the spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history. In certain instances, a Preset Spending Limit may apply to a Card Member’s account. If a Preset Spending Limit is applied, Card Members are notified. | |||
Expanded Buying Power‡ As business needs evolve, your spending power should too. Expanded Buying Power‡ gives you the freedom to spend above your credit limit and get business done. The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited. | |||
No Annual Fee¤ $0 annual fee.¤ | |||
Employee Cards‡ Employee Cards: Earn rewards.‡ Set boundaries. Stay up to date. Think of Employee Cards as another tool you can use to stay on top of your expenses. Let employees buy what they need within limits‡ you set. You'll earn rewards‡ on their purchases, and receive real-time alerts to help you know who's spending and where. Terms, conditions and restrictions vary by individual Card products. | |||
Connect to QuickBooks®‡ Connect to QuickBooks can help you manage your employee Business Card expenses easily.‡ Employees' Business Card transactions and receipts they match to their transactions will also be automatically sent to your QuickBooks every day, so you can manage their expenses right from your QuickBooks. | |||
Account Manager‡ Don't have time to worry about Employee Cards? Assign a trusted team member as an Account Manager‡ with Full Access to add new Employee Cards for you. Your Account Manager can set spending limits‡ and track the amount each employee spends with simple graphs available in their American Express Online Account. | |||
Vendor Pay by BILL‡ Get started with Vendor Pay by BILL by enrolling your eligible American Express® Business, Corporate, or Corporate Purchasing Card. With the Basic plan, there is no monthly fee for the first user and no fee for a second user for the first six months. After six months, the second user will be charged $15 per month. The Advanced plan is $59 per user per month, and the Advanced Plus plan is $99 per user per month. Additional fees may apply based on plan type, payment methods selected, accounting system integrations, and the number of users.‡ | |||
Account Alerts‡ Set up alerts. Get real-time alerts if employees spend outside of merchant types that you've approved‡ or when purchases are blocked due to the set spending limit.‡ | |||
Online Statements View your purchase history, prepare reports, and budget your expenses | |||
Year-End Summary‡ At the start of each year, we provide access to a Year-End Summary‡ of charges so you can review your annual spending. Log into your American Express online account to view an interactive overview of your spending in pie or bar charts, organized by categories like travel and restaurants. You can also download your information to print or save for a later date in PDF or Excel to help prepare for your taxes and manage your spending. | |||
No Foreign Transaction Fees¤‡ No Foreign Transaction Fees on international purchases.¤‡ | |||
Extended Warranty♦︎ With Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. | |||
Purchase Protection♦︎ When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection♦︎ can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions. | |||
Return Protection‡ With Return Protection‡, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase.1 1American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. | |||
Amex Special Ticket Access‡ Amex Special Ticket Access‡ Card Members can access Amex Presale Tickets® and Amex Reserved Tickets® to select can’t-miss events and moments across sports, music, and more.1 1While supplies last, not all seats may be offered. | |||
Relationship Care® When you become an American Express® Business Card Member, you can receive our special brand of Relationship Care® service. Whenever you have questions or concerns about your American Express Business Card, you can rely on us to give you answers 24/7. Simply call the number on the back of your Card to speak to one of our Customer Care Professionals who are specially trained to understand the needs of small business owners and can provide you with business-savvy support. | |||
Dispute Resolution‡ If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.‡ | |||
Car Rental Loss and Damage Insurance♦︎ Car Rental Loss and Damage Insurance♦︎ can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. | |||
Global Assist® Hotline‡ Whenever you travel more than 100 miles from home, Global Assist® Hotline‡ is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third - party service providers. Other terms and conditions apply. | |||
American Express One AP® Statement Credit‡ Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees1 after you spend $250,000 on eligible purchases in this calendar year.2 Statement credits will be applied to your monthly bill charged to the Card for our accounts payable solution, One AP. 1Monthly fees include an auto-renewing platform access fee, transaction fees based on One AP usage, and applicable taxes. 2Statement credits valid from January 1 through December 31 of the calendar year after the calendar year in which you spend $250,000 on eligible purchases. | |||
Virtual Cards‡ A Virtual Card is a unique digital Card number tied to your eligible American Express® Business Card, with its own security code and expiration date. It helps protect the eligible Business Card details with the added security of unique digital Card numbers with spending controls set by you. Virtual Cards can be used to make payments wherever American Express is accepted. |
This view does not encompass all the benefits and services the Cards offer. Select Learn More below to explore full Card benefits.