Blue Cash® for Business

Editor's Review: The Blue Cash for Business from American Express is one of the best cash back credit cards currently available. It is designed specifically for business owners who have an average credit rating who are also interested in taking advantage of the perks offered by a cash back credit card.

This American Express cash back credit card work provides cash back in a variety of ways. The minimum amount of money a cardholder can earn back is 1%, while the maximum amount is 5%.  Other purchases can earn up to 2.5%. There is no limit on the amount of money spent that can earn cash back and, unlike many cash back credit cards, there is no expiration on the cash back rewards.

In addition to being a cash back credit card, the Blue Cash for Business from American Express card also offers discounts at locations such as Hertz, FedEx, and Staples. The card also offers a fantastic 0% introductory rate on all purchases for the first six months and a 7.99% introductory rate on balance transfers during the same span of time. All balance transfers made during the six month introductory period maintain this lowered APR for the duration of the balance transfer loan.

There is no annual fee with the Blue Cash for Business from American Express card, which is an unusual feature for most cash back credit cards. There is also no fee for additional cardholders to be added to the account. After the introductory period is over, the APR on purchases is variable and based on the Prime Rate. Cash advances made after the introductory period are also subject to a higher APR based on the Prime Rate. There is no minimum or maximum credit limit with the card. Spending over the limit, however, results in a $35 fee.