Amex Blue Business Cash: $600 bonus, no lifetime language (targeted)


Similar to the Blue Business Plus offer we saw earlier this week, there is a targeted offer available for the Blue Business Cash card. Those folks that are targeted will earn $500 in statement credits after $15,000 in purchases in the first 12 months and an additional $100 in statement credits after adding an employee card and spending $1,000 on that card within the first 12 months.  The $1,000 in spend on the employee card will count towards the $15,000 total spend.

My wife and I are both targeted in our accounts under “featured” offers:

While I prefer to prioritize all of the MR-earning offers that Amex is throwing out like candy, this is a good offer compared to what’s been available historically for this card. The application terms don’t include typical once-in-a-lifetime language, so even if you have had the card before, you should be eligible for the welcome bonus (if targeted).

The Deal

  • Earn $500 in statement credits after $15,000 in purchases within the first 12 months after approval for a new Blue Business Cash card and an additional $100 in statement credits after adding an employee card and spending $1,000 within the first 12 months.
  • Expires 1/31/23

Link to log in and see if you are targeted (log-in to Amex account first, then click the link, then click “apply now”)

You will need to log-in, then click the “apply” button to see if you’re targeted. If you don’t see the bonus on the landing page and/or get a message that says something along the lines of “Sorry, this offer is no longer available”, that means you’re not targeted.

Key Card Details

Card Name w Details No Review (no offer)
American Express Blue Business Cash™ Card

Annual Fee: $0

Card Type: Amex Credit Card


Earning rate: 2% cash back on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply.

Quick Thoughts

This is one of the best offers that we’ve seen for for this card. The Blue Business Cash often doesn’t have a welcome bonus at all except when applying via a referral link, and then it’s typically only been $100-250 back after $5,000 in purchases in the first 3 months.

I personally prefer the the Blue Business Plus (BBP) in comparison to the Blue Business Cash as the BBP earns 2x Membership Rewards on all spend (up to $50K in purchases per calendar year) in comparison to the 2% cashback on the Blue Business Cash (and we value MR at much more than 1 cent per point).

That said, for those that prefer cashback, you would end up with a total of $900 in statement credits between the normal 2% on the first $15K in purchases and the $600 welcome bonus. That’s effectively 6% cashback on $15K spending anywhere over one year with no annual fee…which on its own is fairly appealing.

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Hi Tim – I have a 30k MR referral offer on my Plat card that just posted.

Under “Refer a Friend” (in the app) it says “30,000
Membership Rewards® points for each eligible referral – up to 55,000 Membership Rewards® points per calendar year.” But the email I received today notifying me of the MR posting then says “CAP: 100,000 MEMBERSHIP REWARDS POINTS.”

Do you know if 55k or 100k is the max before I make any more referrals? Thank you


So 55k is the referral bonus max on my Plat (in the Refer a Friend), but 100k is the MR TOTAL annual limit for ALL referrals on ALL MR cards? It’s confusing since I don’t have any other MR cards so not certain if the 55k or 100k caps apply. Thanks for your response


I just chatted with AMEX to get the right answer for my acct based on conflicting amounts. Here is the good news!

“Effective January 4, 2023, all eligible Card Members with Consumer and Small Business Card Products that participate in the Member Get Member (Refer a Friend) Referral Program will be eligible for an increase in their Referral Bonus Annua Limit (annual cap). The previous annual cap was $550 (or 55K MR
Points, etc.); the cap has increased to $1000 cash equivalent on the total referral bonus points, miles, or statement credits.”