American Express Blue Business Cash Card Pre Approval: A Comprehensive Review

The American Express Blue Business Cash Card Pre Approval is a great way to get a head start on your business expenses. You can get pre-approved for the card with a good credit score.

To get pre-approved, you'll need to meet the basic requirements, which include having a good credit score and being a business owner. The credit score requirement is not explicitly stated, but it's usually around 600.

The pre-approval process is quick and easy, taking only a few minutes to complete. Once you're pre-approved, you can apply for the card and start earning rewards.

With the American Express Blue Business Cash Card, you can earn 2% cash back on all business purchases, up to $50,000 per year.

To increase your chances of getting approved for the American Express Blue Business Cash Card, you'll need a good personal credit score of 700+ and a business with revenue.

You'll also need to provide your Social Security number, even if you have an Employer Identification Number, as business credit card issuers use your personal credit information to make approval decisions.

For the application, you'll need to provide basic business and personal information, such as your business name and DBA name, business address and phone number, industry type, company structure, years in business, and annual business revenue.

Here are the specific details you'll need to provide:

Keep in mind that you can save the application and apply later, or submit it for review, and you may receive an instant response or your application may go into pending status if Amex needs further information from you.

To increase your chances of getting approved for an American Express Blue Business Cash Card, you'll need a good personal credit score, which is 700+.

You'll also need to provide information about your business, including your business name, address, phone number, industry type, and company structure. If you're a sole proprietor, your company structure will likely be a sole proprietorship.

To determine your company structure, consider whether you're running a business by yourself or with a partner. If you're running a business alone, you're most likely a sole proprietor. This includes freelancers, Uber drivers, and eBay resellers.

You'll need to select your industry type from a list of options, including agriculture, construction, non-profit, and retail trade. If your business doesn't fit into one of these categories, you can select "other".

To calculate your annual business revenue, consider all the money your business earns in a year before taxes or any other expenses. If you're just starting a business, it's okay to put zero.

Here's a summary of the key business details you'll need to provide:

Keep in mind that American Express business credit card applications also consider your personal FICO score, which should be 690 or higher to qualify.

If your Amex business card application is declined, you have options to explore.

You can call Amex's reconsideration line at 1-877-567-1083 for new accounts to discuss your application. Sometimes, answering a few simple questions or verifying minor details is all you need to do to get an application approved.

Talking to an agent on the phone can help humanize your application, or at least give you a chance to find out why it was declined.

You might be able to shift credit from existing accounts to the new card to get your application approved. Closing an existing account could also help. Every situation is different.

The American Express Blue Business Cash Card offers a range of features and benefits that make it a great choice for small-business owners.

You can spend up to $50,000 annually on your business credit card without worrying about annual fees. This card also has a 0% intro APR on purchases for 12 months from account opening, which can save you a lot of money on interest if you have large purchases to pay for over time.

One of the key benefits of this card is its flexibility. You can add up to 99 employee cards to your account for no additional fee, and set spending limits for each employee card online or by phone.

The card also offers a decent set of benefits, including valuable travel and purchase protections, which are more common on cards with an annual fee.

Here are some of the key features of the American Express Blue Business Cash Card:

The American Express Blue Business Cash Card is a popular choice for business owners, but how does it stack up against other options? Let's take a closer look.

The American Express Blue Business Cash Card has a $0 annual fee, which is a great perk for businesses on a budget. In contrast, the Ink Business Preferred Credit Card has a $95 annual fee.

The American Express Blue Business Cash Card has a regular APR of 17.49%-25.49%, while the Ink Business Unlimited Credit Card has a regular APR of 17.74%-23.74%. Both cards have a 0% intro APR on purchases for 12 months from the date of account opening.

If you're looking for a card with no annual fee, the American Express Blue Business Cash Card and the Ink Business Unlimited Credit Card are both good options. However, the Ink Business Preferred Credit Card has a higher annual fee.

Here's a quick comparison of the three cards:

All three cards have a recommended credit score of 690-850, which is considered good to excellent.

The Amex Blue Business Cash Card has a straightforward rewards structure. Cardholders earn 2% cash back on the first $50,000 in eligible purchases each year.

You can earn this cash back on a wide range of purchases, including office supplies, travel expenses, and more. The card's earning structure is simple and easy to understand.

The rewards are credited to your account in the form of Rewards Dollars, which are automatically applied as a statement credit. This means you won't receive a physical check or cash, but you'll still get to enjoy the benefits of your rewards.

Here's a breakdown of the rewards structure:

The Amex Blue Business Cash Card also offers a welcome bonus of $250 statement credit after you make $3,000 in purchases on your card in your first three months of account opening. This is a great incentive to get you started with the card.

The Amex Blue Business Cash Card offers a welcome bonus of $250 statement credit after you make $3,000 in purchases within the first three months of account opening.

This bonus is a significant incentive, especially since this card usually doesn't have an intro offer.

Earning Rewards is a straightforward process with the Amex Blue Business Cash Card. You earn 2% cash back on the first $50,000 in eligible purchases each year.

This means you'll get a significant return on your spending, especially if you have a lot of business expenses. The cash back is earned in the form of Rewards Dollars, which can be redeemed for a statement credit.

Here's a breakdown of how the earning structure works:

The card also offers a welcome bonus of $250 statement credit after you make $3,000 in purchases on your card in your first three months of account opening. This is a great incentive to get started with the card.