American Express Small Business Cards Overview
To successfully obtain an American Express Blue Business Cash Card, you’ll need a FICO credit score between 690 and 850, which is in the range of Good to Excellent credit. The Amex Blue Cash Everyday credit limit is based on American Express’s assessment of each application. Those with the highest income and best credit scores will generally be offered the highest starting credit limits. American Express uses Experian most of the time for credit checks.
American Express Blue Business Cash Card Benefits
The American Express Blue Business CashTM Card is a solid small-business card that offers 2% cash back on all purchases up to $50,000 in a calendar year (then 1%) without charging an annual fee. Its simplicity and generous cash back rewards make this a card worth considering for small businesses. Approval odds on this card are best with a good to excellent credit score.
American Express Business Cards Comparison
The Blue Business® Plus Credit Card from American Express earns 2 Membership Rewards points per dollar spent on up to $50,000 in purchases each calendar year, and 1 point back thereafter. It’s also great for business owners who want employee cards without additional fees and benefits such as purchase protection and extended warranty protection.
American Express Blue Business CashTM Card Features
The American Express Blue Business CashTM Card is an excellent fit for small to mid-sized businesses looking for simplicity and value in their credit card rewards. It caters well to businesses with diverse spending needs, offering a flat 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%), eliminating the hassle of dealing with rotating categories or complex redemption processes. This card provides a straightforward and cost-effective solution for entrepreneurs and business owners seeking a streamlined approach to earning rewards on everyday operational expenses.
Business Credit Card Approval Criteria
When applying to the American Express Blue Business Cash Card, it is recommended that the business owners have a credit score of at least 670. Not that hard but as with any credit card, make sure you don’t have a high credit utilization rate, you have a consistent income stream, and a good credit history.
Additional Information
American Express provides a very highly regarded Extended Warranty service with the Blue Business Cash that adds an extra year onto the Manufacturer’s Warranty of 3 years or less. Apply for the Blue Business Plus Card from American Express and earn 2x Membership Rewards® points on business purchases up to $50K with no category restrictions. American Express can be accepted at 99% of places in the US that accept credit cards.
American Express Small Business Cards Approval
The Amex Blue Cash Everyday card is hard to get. Applicants need a credit score of 670 or higher for approval. You have a better chance with a very good score of 740-799. The Blue Cash Preferred card also requires a 700+ score. So you need good to excellent credit to qualify. Since average scores are lower, most people can’t get these cards. The Blue from Amex card is easier to get for those with lower scores. It has rewards but no bonus or extra benefits.