Simple money recovery for busy business owners

While the miles of airlines and hotel points are smart for travelers, many business owners prefer cash rewards for their flexibility. American Express Blue Business Cash ™ It offers 2 % cash on the first $ 50,000 spending each year, then 1 % on all other eligible purchases after that.

The direct rewards program for this business owners allows to focus on developing their business instead of tracking the bonus categories. Learn more about Amex Blue Business Cash, including how to earn and recover the rewards and the benefits it provides.

This card includes many additional benefits that provide additional value for business owners. Here are a few you should know about.

Add up to 99 employee cards to your account without any additional fees. You can set the limits of individual spending and alerts to track employee spending. Employees purchases can gain cash rewards.

Renting cars receive protection from theft or damage when using the Blue Business Cash card to pay the entire bill. This protection is secondary, which means that it gains the coverage provided by personal car insurance.

Qualified purchases receive an additional one year of coverage at the head of the manufacturer’s guarantee. This benefit applies to the US qualified purchases to products that have five -year or less guarantees.

Your purchases are covered for theft or accidental loss for the first 90 days after purchasing them. Each purchase can be covered by a claim of up to $ 1,000, with a maximum of $ 50,000.

• 2 % money again on the first $ 50,000 spending annually on qualified purchases

• 1 % cash recovery on all eligible purchases after spending $ 50,000 per valuable year

Blue Cash Card It provides many ways to earn cash bonuses on your business expenses, including winning a welcome reward and using your card to make business purchases.

You can also earn rewards through employee cards. Business owners can add employee cards to their accounts without any additional fees. Adding cards provides an opportunity to earn cash recovery bonuses on employee purchases, which are calculated towards the maximum annual spending of a value of $ 2 % for cash. When your total job spending reaches the maximum, all other qualified purchases gain 1 %.

American Express also offers special offers for cards to save money (usually by obtaining a statement of statement) on certain purchases. The offers are usually allocated based on your card type, spending patterns and customer definition file. In order to use it, you should activate it manually online or through the AmeX mobile phone application, then make a qualified purchase in a participant retail seller.

Unlike many other reward programs, you don’t need to do anything to recover your cash rewards with Blue Business Cash. The bonuses you earn automatically apply a statement of your account. With this automatic redemption, your rewards will never end and there is no minimum amount of redemption.

the American Express Blue Business Cash Card It is best for business owners who want to get money directly on daily purchases. This card is perfect for people who do not want to track the bonuses. Instead, this card allows you to place your rewards on the automated pilot.

Thanks to the maximum annual spending of $ 50,000 for cash men by 2 %, this card is a good option for companies with a average of less than $ 4,000 per month on credit cards. If you exceed the maximum annual spending, the cash back rate is 1 % lower than some other cards.

• A fixed rate of 2 % cash (up to $ 50,000 per evaluation year, then 1 %)

• There are no annual fees for the employer or employee cards

• APR display on purchases

• Free purchase protection

• There are no bonus categories on joint work expenditures

• Not providing transportation partners

• Foreign transactions fees by 2.7 %

The Blue Business Cash can be used everywhere. AmeX cards are accepted by 99 % of American companies that accept credit cards. However, acceptance is widely different in foreign countries.

This card receives foreign treatment fees of 2.7 % on all purchases outside the United States to avoid these hidden fees. You must bring a different commercial credit card that does not impose fees on foreign transactions when traveling abroad.

• Make payments online or through the AmeX mobile application

• Call the number (800) 472-9297 to make a batch on the phone

• Pay the mail to:
  American Express
  Po Box 96001
  Los Angeles, California, 90096-8000

the Amex Blue Business Cash Card It offers many attractive advantages and a simplified cash reward program. However, its benefits are limited and the bonus money decreases annually (2 % on the first $ 50,000, then 1 %). Business owners who prefer flexible rewards, unexploited rewards or bonuses categories to increase spending to the maximum should be taken into account other commercial credit cards.

Why do we love it: the Amex Blue Business Plus It provides a similar power force to measure blue business, but it earns points instead of recovering money. This gives you more flexible recovery options, including using your travel rewards.

Read the Amex Blue Business Plus Full Review

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Why do we love it: the Capital One Spark Cash Plus It is an excellent choice for business owners with high spending needs. It has an annual fee of $ 150, but the reward rate has no limits or restrictions on the categories, which gives you a lot of opportunities to earn a lot of money.

Read our Capital One Spark Cash Plus review

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Why do we love it: Business owners who are looking for a reward card without annual fees must consider Business ink is unlimited. This card earns flexible points that can be recovered for criticism, travel, gift cards and more. You can also combine your points and other qualified chass cards that win the final reward points.

Read Unlimited Comple

This article was edited by Ben Walker (CEPF, CFEI®).

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