Who Is It Best For?

The Amex Blue Cash Business Card works best for small businesses looking for straightforward cash back and everyday expense rewards. This card is an excellent option if you want to use it to procure office supplies, sponsor team lunches, or pay for software subscriptions and not for frequent travel or dining. No complex point systems or category tracking, just clear-cut 2% cash back on everything you buy (1% after $50,000).

Welcome Offer and Statement Credits

The Amex Business Blue Cash Card comes with a $250 statement credit after spending $3,000 in purchases within the first three months (Terms apply). This covers the annual fee, which is $0! Yes, that's right, no annual fee!

Earning Cash Back

Earn an easy 2% cash back on all eligible purchases up to $50,000 per year- that's $1,000 back if you max out the cap! Every purchase counts; there's no need to juggle categories. Just remember, after spending $50,000, the cashback drops to an unlimited 1% cash back, making every business dollar work for you.

Card Benefits and Perks

Beyond the cash back, you also get some handy perks:

• Credit Limit Flexibility: Need some temporary breathing room? This card allows you to spend a bit above your credit limit, as long as the balance above it is paid in full each month. (Please note that It is important to avoid exceeding your credit limit as it can significantly lower your credit score due to the impact it has on your credit utilization ratio.)
• Account Manager: Delegate card management to a trusted individual like an assistant or a partner to access and manage the card when you're away or busy so you’re not a blocker.
• Car Rental Loss & Damage Insurance: Use your eligible Card to reserve and pay for the entire rental, decline the collision damage waiver (CDW) at the rental counter, and get covered for any damage or theft in a Covered Territory (T&C apply).
• Global Assist: Get 24/7 emergency assistance and coordination services for medical, legal, or passport issues. Amex can even help with lost luggage and emergency cash wires.

Why Should You Get the Amex Blue Business Cash Card?

• No-nonsense Rewards: No points, no tiers, just 2% cash back on everything you buy until you hit that $50,000 annual spending cap. Then, you'll earn an unlimited 1%. 
• No Annual Fee: Perfect for small business owners who are looking to keep expenses to a minimum and avoid an annual fee.
• Credit Limit Flexibility: Unexpected expenses happen, this card gives you some wiggle room when you need it.
• Automatic Redemptions: No need to remember or claim your rewards, cash back automatically applies as a statement credit, making things effortless.
• Powerful Perks: Enjoy car rental insurance, account manager access, and Global Assist for added convenience and security.

But that’s not all…

You can now generate virtual cards on demand directly linked to your existing Amex credit line! But how?

Fyle + Amex For Smarter Spending

Are you tired of dealing with paper receipts and the hassle of tracking them down when you need them? Fyle offers a solution to this problem through its seamless integration with American Express Business Cards. By connecting your Amex business cards to Fyle, you can track your expenses with ease, instantly collect and match receipts, and code expenses automatically without relying on bank feeds. This integration can help to streamline your expense tracking process and save you valuable time, ultimately fueling your business.

Unlimited Cards For Your Employees

Do you struggle with managing employee expenses? Say goodbye to rigid physical credit cards and switch to Fyle's new revolutionary approach. With Fyle, you can create Amex virtual cards that are tailored to your specific needs, whether it's paying a vendor, sticking to a budget, subscribing to software, or funding an employee trip. 

You can customize each card with spending limits and validity periods, ensuring compliance with your budget and minimizing the risk of misuse. Fyle also integrates seamlessly with your existing Amex credit line, making it easy to track and manage expenses.

No More Chasing Employees for Receipts

Fyle offers a convenient way for employees to manage their credit card expenses. By simply texting their receipts, Fyle automatically matches them with the corresponding transaction to make the expense reporting process more efficient. This feature is especially beneficial for accountants who can now collect receipts hassle-free, without constant follow-ups or additional headaches.

Instant and Automatic Reconciliations

No more manual and error-prone reconciliations. Fyle matches the receipts to the correct transactions and reconciles them automatically as soon as your employees submit them. Fyle also codes them accurately to your accounting software, enabling you to close your books on time.

Easy Expense Tracking

Keep track of employee spending with live and informative dashboards. Identify trends, make informed decisions, and manage your budget like a pro.

No Room For Fraud

Virtual cards for one-time use and instant alerts prevent fraud and keep your finances safe. Your physical card number is also kept hidden for added security and peace of mind.

FAQs

Is Amex Blue Business Cash Card a charge card?

No, the Amex Blue Business Cash Card is not a charge card. It is a conventional credit card with a lot of great rewards and benefits.

How Does Fyle’s Integration With Amex Business Credit Cards Work?

Fyle’s integration with Amex allows you to connect existing Amex cards, thus enabling Fyle to issue virtual cards directly.

What Is A Virtual Card?

Essentially, a virtual card consists of a unique 16-digit code generated specifically for online purchases. However, these numbers are securely linked to the account holder's existing credit line, ensuring seamless integration with familiar financial statements.

Unlike physical cards, virtual cards can be configured with specific spending limits and expiry dates, providing granular control over individual transactions. This targeted approach minimizes the risk of fraudulent activity and offers a convenient solution for managing various expense categories within a single credit line.

How Many Virtual Cards Can Be Created On A Basic Amex Business Credit Card?

There is no limit on the number of virtual cards issued against the basic card. They can issue as they are needed.

Are Virtual Cards Secure For Transactions?

Amex virtual cards generate unique numbers for each purchase, safeguarding your actual card details from merchants. This minimizes the risk of fraud and protects your information even in data breaches.

Do I Still Get Reward Points On Virtual Card Spend?

While transactions made with the virtual card won't directly earn rewards or cash back on the virtual card itself, you'll still receive all the benefits offered by your existing Amex program, including points, rebates, and cash back.

Conclusion:

Eliminate the trouble of manual expense management with Fyle. This platform supercharges your Amex Blue Business Cash Card to bring instant receipt collection, automatic reconciliations, powerful spend insights, and enhanced security features.

Sign up for a demo today to see how Fyle can improve your Amex Card experience!

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