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Credit Card Reviews » Blue Cash® for Business Credit Card |
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Blue Cash® for Business Credit Card
This is a credit card that is perfect for business owners who have less than perfect to average credit, but are still looking for a credit card that offers great rewards in the form of a cash back program. If this sounds like you, you might want to consider the Blue Cash® for business credit card and its reward program.
With the Blue Cash® for Business Credit card reward program offered through American Express®, you have the opportunity to earn as much as 5% cash back at participating outlets, retailers, and merchants. For example, if you make purchases at a location participating in what is called OPEN Savings, you will earn as much as 5% on those purchases. For all other purchases, such as general and those made at non-participating outlets, retailers, and merchants, you will receive as much as 2.5% cash back.
However, if you spend more than $15,000 per year using the Blue Case for business credit card, anything exceeding that amount will only earn 2% cash back for shopping at OPEN savings locations and 1% cash back for other general purchases. What is great is that OPEN Savings locations include a variety of extremely popular and beneficial companies such as 1-800-FLOWERS.COM, Hertz, and FedEx.
During the first six months as a Blue Cash® for business credit card holder, you will be able to enjoy an introductory rate of 0% on all purchases you make. For balance transfers, the introductory rate is 7.99% during the first six months as a cardholder. There is no yearly fees to worry about and after the introductory rate has expired, those with higher credit rating can enjoy a reasonable rate of interest. For lower credit ratings, the rate of interest may be slightly higher than some other credit cards.
Of course, as great as the rewards program is, receiving cash back for qualifying purchases, there is much more to the Blue Cash® for business credit card than meets the eye. For example, cardholders can rely on numerous benefits and services such as emergency assistance, travel assistance, travel services, accident insurance while traveling, and purchase protection.
To really maximize the benefits of the Blue Cash® for business credit card, you should have a credit rating on the higher end of the scale, allowing you to take advantage of lower rates of interest, after the introductory rate, and take full advantage of the cash back rewards.
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0% Intro APR on Purchases for 6 months
7.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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25 days Grace Period |
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| (* A 7.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the first six months. Introductory rate applies to purchases made using the card at physical locations.) |
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| Finance Configuration: Average daily balance (including new purchases). |
| Additional Cardholders: $0 |
| Late Payment Fee: $19 on balances less than $400 and $38 on balances $400 or greater. |
| Over-The-Limit Fee: $35 |
| Cash Advance Fee: 3% of each transaction with $5.00 minimum and no maximum. |
| Balance Transfer Fee: There is no balance transfer transaction fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction. |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Rebate |
| Rebate Minimum: 1% |
| Rebate Maximum: 5% |
| Additional Rebates: Earn 1% on OPEN Savings Participants or 0.5% on all other purchases when your year-to-date spend is $0-$6,500. Earn 5% on OPEN Savings Participants or 2.5% on all other purchases when your year-to-date spend is $7,500.01-$15,000. |
| Bonus Rebates First Purchase: n/a |
| Bonus Rebates Other: n/a |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Blue Cash® for Business Credit Card: |
Various Internet account related services.
Access to the OPEN Savings Network.
Discounts on products and services at participating merchants and retailers.
Extended warranty for purchases.
Purchase protection.
Travel accident insurance.
Emergency card replacement.
Various travel and emergency assistance services.
See website for additional benefits. |
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| Important Notes for Blue Cash® for Business Credit Card: |
The APR for purchases varies according to the applicant's credit history and will be 2.99%, 4.99%, 6.99% or 9.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure. |
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Look for Similar Credit Cards by Category |
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| Home » Excellent Credit for Business |
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| Home » Apply for a Credit Card » Top Benefit Credit Card Ratings for Business |
| Home » Apply for a Credit Card » Special Interests » Cash Back and Rebates for Business |
| Home » Apply for a Credit Card » Cards by Category » Low Interest Credit Cards for Business |
| Home » Apply for a Credit Card » Cards by Category » Business Credit Cards for Business |
| Home » Apply for a Credit Card » Cards by Category » Reward Credit Cards for Business |
| Home » Apply for a Credit Card » Credit Card Issuers » American Express for Business |
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| Notes: The review on Blue Cash® for Business Credit Card was updated on May 12, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. |
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