You typically need good credit or better to have a shot at getting approved for the Amex Blue Business Cash. You can check your credit score for free here on WalletHub to see if you qualify.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Amex Blue Business Cash. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

Keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.

Your Amex Blue Business Cash card approval odds might be good if you are a business owner with good personal credit or better. Approval odds for the Amex Blue Business Cash card will be influenced by your annual income and existing debts, among others. Applicants will also need to be 18+ years old, and have a U.S. mailing address and an SSN or ITIN.

What You Need for Good Amex Blue Business Cash Card Approval Odds

• At least good personal credit
...

No, you cannot check for The American Express Blue Business Cash™ Card pre-approval. The American Express pre-approval tool is only available for the American Express consumer cards.

You can, however, use WalletHub's CardAdvisor tool and see how easy it is to find the right credit card for you. Just answer a few general questions, and CardAdvisor will provide you with some recommended credit card offers based on your responses.

The best The American Express Blue Business Cash™ Card promotion is a welcome offer of $250. To earn this Amex Blue Business Cash promotion, cardholders must spend $3,000 within 3 months of account opening. There are a few other noteworthy Amex Blue Business Cash promotions to take advantage of as well.

Amex Blue Business Cash Promotions for March 2026

• An initial bonus of $250 statement credit after spending $3,000 in the first 3 months.
• An intro APR of 0% for 12 months on new purchases (16.74% - 26.74% (V) regular APR after that).

Card promotions change often, so...

Amex Blue Business Cash is not a charge card, though American Express does offer a charge card: The Plum Card® from American Express. Charge cards usually need to be paid in full every month, unlike a regular credit card. They're ideal for people who have the means to pay their entire bill each month. To learn more, check out WalletHub's editors' picks for the best charge cards.

Amex Blue Business Cash purchase protection covers the damage or theft of eligible purchases for up to 90 days after the purchase date. Purchase protection will reimburse Amex Blue Business Cash cardholders for up to $1,000 per item and up to $50,000 per cardholder per year.

How to File a Purchase Protection Claim with the Amex Blue Business Cash

1. Call the Benefit Administrator at 1800-228-6855, or the number in your card's benefits guide, within 30 days of the incident.
2. File...

The Amex Blue Business Cash does not offer cell phone insurance. Cell phone insurance on other cards reimburses the cost of repairing or replacing a damaged or stolen phone if a cardholder regularly pays the phone bill with the card, though it's not a benefit commonly offered by credit card issuers.

If you're in the market for a credit card with cell phone protection, you should consider the Chase Ink Preferred, the Ink Business Premier, and the Wells Fargo Autograph Journey.

The American Express Blue Business Cash™ Card is not a metal credit card, as it is made of plastic like most other credit cards. There's no functional difference between a plastic card like the Amex Blue Business Cash Card and a metal credit card, though, so don't dismiss the Amex Blue Business Cash Card just because it isn't metal. If you like the card's terms and benefits, you should still consider applying.

Metal credit cards are usually expensive luxury cards. Some popular examples of metal credit...

The Amex Blue Business Cash exchange rate is American Express's exchange rate on the date you make a purchase, plus any foreign transaction fees. While American Express exchange rates change daily, the Amex Blue Business Cash foreign fee is 2.7% of each transaction after conversion to US dollars.

When making purchases abroad or from internationally-based merchants, you should always use a credit card with no foreign transaction fee. As long as you get a card with no foreign transaction fee and avoid dynamic currency conversion, the exchange rates you'll pay on international spending...

Yes, it may be hard to get The American Express Blue Business Cash™ Card because it typically requires at least good credit for approval. Unless your have good or better and you have a lot of income, it might be difficult for you to get approved for the Amex Blue Business Cash card.

In order to get the Amex Blue Business Cash card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need...