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Important information regarding rates, fees, and other cost information

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

0% introductory APR for the first 12 months from the date of account opening.
After that, your APR will be 16.99% (Prime Rate + 9.99%) to 28.74% (Prime Rate + 21.74%) based on your creditworthiness and other factors as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

29.99% (Prime Rate + 25.99%)
This APR will vary with the market based on the Prime Rate.
This APR will apply to your account if you:
1) make a payment that is returned;
2) make 2 late payments in 12 billing periods; or
3) do not pay the Minimum Payment Due by the Closing Date of the billing period in which it is due.

How Long Will the Penalty APR Apply? If the Penalty APR is applied for any of these reasons, it will apply, subject to applicable law, for at least 12 billing periods in a row. In addition, the Penalty APR will continue to apply until after you have made timely payments, with no returned payments for 12 billing periods in a row.

The Penalty APR may apply to the Amount Above the Credit Limit. See When we charge interest in Part 1 of the Card Member Agreement for information on Interest Charged If You Do Not Pay Your Minimum Payment Due. See the Card Member Agreement at http://www.americanexpress.com/cardagreements.

Paying Interest

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. If you pay the Minimum Payment Due by the Closing Date of the billing period in which it is due each month, we will not charge interest on the Amount Above the Credit Limit. See When we charge interest in Part 1 of the Card Member Agreement.

Fees

Annual Fee

$0

Transaction Fees

  • Balance TransferIf eligible, either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction2.7% of each transaction after conversion to US dollars.

Penalty Fees

  • Late PaymentUp to $39.
  • OverlimitNone
  • Returned PaymentUp to $39.

How We Will Calculate Your Balance:

We use a method called "average daily balance method (including new purchases)."

Loss of Introductory APR:

If a penalty APR applies to your account for any reason we will end any introductory APRs and a penalty APR will apply to your Account.


Variable APRs will not exceed 29.99%.

Variable APRs for each billing period are based on the Prime Rate published in The Wall Street Journal on the Closing Date of the billing period. If The Wall Street Journal does not publish the Prime Rate on that day, we will use the Prime Rate from the previous day it was published. If The Wall Street Journal is no longer published or stops publishing the Prime Rate, we may use the Prime Rate published in another newspaper of general circulation. If the Prime Rate increases, variable APRs (and corresponding DPRs) will increase. In that case, you may pay more interest and may have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period during which the Prime Rate has changed. Variable APRs are accurate as of 10/14/2026.

TERMS AND CONDITIONS

View the full Card Member Agreement.

By submitting this application, you, as an individual and the Authorizing Officer of the Company, (a) are requesting us to open an Account in the name of the Company, (b) are requesting that we issue Card(s) as you direct, (c) are agreeing to be jointly and severally liable with the Company for all charges to the account, and (d) are REPRESENTING THAT ALL CARD(S) ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES. Only qualified individuals 18 or over may be approved for a Card Account. This offer is available to US Residents. When you use the Account (or sign or keep the Card), you agree to the terms of the Card Member Agreement that will be provided to you for the Account. The Card Member Agreement includes an arbitration provision, which impacts the opportunity to have claims related to the Account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. We may change the terms of, or add new terms to, the Card Member Agreement at any time, subject to applicable law. We may apply any changed or new terms to any existing and future balances on your Account, subject to applicable law.

You promise that the information you provide on this application is accurate. You authorize us to verify this information and to obtain reports from consumer and commercial reporting agencies. You authorize us and our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law. Upon request, we will tell you if we have received a report and the name and address of the agency that provided it.

Additional Cards:

You must notify Additional Card Members that we may obtain, provide, and use information about them and that their use of your Account is subject to certain provisions of the Card Member Agreement. The maximum number of Additional Cards issued on each Account is 99. You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account. You must pay for all charges they make. You authorize us to give Additional Card Members information about your Account and to discuss it with them.

USA PATRIOT Act Notice:

Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

Balance Transfers:

If eligible, only balance transfers from accounts in your name requested within 60 days from the date of account opening will be approved. We will charge your Card account for the total approved amount of all balance transfers. No transfer will be processed if: (1) the total amount of all requested transfers exceeds the lesser of $15,000 or 75% of your credit limit; or (2) charging the requested transfers to your Card account would cause your total account balance to exceed your credit limit. We will not initiate any balance transfer until at least ten days after we have mailed or otherwise provided the Card Member Agreement to you. In some cases, it may take up to six weeks to complete a balance transfer. Please be sure to make all required payments on any account from which you are transferring a balance until the balance transfer is credited to that account. You authorize us to verify the balance of such accounts. You may not transfer balances from any account issued by American Express or any of its affiliates. Additional Card Members may not request or authorize balance transfers. Your balance transfer request may be declined if any of your American Express accounts are not in good standing.

New York Residents:

New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York State Department of Financial Services 1-800-342-3736 or www.dfs.ny.gov↗

Notice to Delaware Residents:

Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Notice to Oregon Residents:

Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.

Notice to Ohio Residents:

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

The American Express Blue Business Cash® Card is issued by American Express National Bank. ©2026 American Express National Bank.

POID KC28:9990

OFFER TERMS

You may not be eligible to receive the welcome offer and intro APR offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive the welcome offer and intro APR offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for the welcome offer and intro APR offer, we will notify you prior to processing your application so you have the option to withdraw your application.


As High As A $500 Statement Credit Welcome Offer

After you submit your application and before you accept the Card (if you are approved), we will tell you the exact amount of statement credit which you are eligible to earn with your Welcome Offer, which will be an amount as high as a $500 statement credit. This means that the statement credit amount which you are eligible to earn with your Welcome Offer may be less than $500. You can earn the statement credit after you spend $5,000 (the "Threshold Amount") or more in eligible purchases on your American Express® Blue Business Cash Card within the first 3 months of Card Membership starting from the date your account is opened. Eligible purchases to meet the $5,000 purchase requirement do NOT include fees or interest charges, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents. Eligible purchases can be made by the Basic Card Member and any Employee Card Members on a single Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Limit one offer per Card Account. Offer may not be combined with any other special offer. Your Card account must not be canceled or past due at the time of fulfillment of any offers. The statement credit will be credited to your account 8-12 weeks after you have met the Threshold Amount.

Your period to spend $5,000 may be shorter than 3 months depending on when you receive your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction (for example, if you buy goods online, the purchase date may be the date the goods are shipped). In rare circumstances, you may need to pay down your balance during the billing cycle to help free up your available credit to make purchases to meet the Threshold Amount. It may take a few days after payment for your available credit to be updated.

Offers may vary and you may see different offers in different advertisements. To take advantage of this specific offer, apply through this advertisement. This offer is not transferable. American Express reserves the right to modify or revoke this offer at any time.

If we determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so, including if you return purchases you made to meet the Threshold Amount, we may not credit, we may freeze, or we may take away the Statement Credit from your Card Account. We may also cancel any Card Accounts you have with us.

BENEFIT TERMS

The following benefits and services are subject to change or cancellation.

Account Manager

Account Managers must be at least 18 years old and have a U.S. Mailing Address and Social Security Number.

American Express Venue Collection™

The American Express Venue Collection provides American Express® Card Members with a Consumer or Business American Express Card issued by American Express in the US with access to a set of benefits at stadiums and arenas for select events. American Express cards issued by third-party financial institutions, American Express Corporate Cards, American Express Debit Cards, and American Express Prepaid Cards are not eligible. All benefits are subject to specific terms & conditions. Some benefits will be fulfilled by the venue and are subject to terms & conditions set by the venue, as applicable. Benefits cannot be redeemed for cash, transferred, or substituted. Void where prohibited by law. For more information, including specific benefit terms & conditions and venues included as part of the collection, please visit americanexpress.com/venues.

American Express Venue Collection™ Concessions Statement Credit

Eligible Card Members can earn 10% back (up to $250) in statement credits per calendar year after using their enrolled Card to make qualifying food and beverage concessions purchases at stadiums and arenas in the American Express Venue Collection™. Limit one enrolled Card per Card Member. Offer ends 12/31/2026.

By enrolling in this offer, you agree to these terms and the Amex Offers™ Program Terms.

Eligibility and Enrollment

Eligible Card Members must first add offer to Card and then use that same enrolled Card to make qualifying purchases. Only Consumer and Business American Express Cards issued by American Express in the US are eligible for this offer. American Express Prepaid Cards, Corporate Cards, Debit Cards, and American Express-branded Cards issued by other financial institutions are not eligible for this offer. Additional Cards on an eligible Card account are also eligible to enroll in this offer; however, any rewards or credits earned will be applied to the Basic Card Member's account. Each eligible Card must enroll separately in this offer and must individually make a qualifying purchase to earn a statement credit.

Limit one enrollment per Card Member regardless of whether a Card Member has more than one eligible Card. Offers are non-transferable. Card Members must select one eligible Card to enroll and enrollment of an eligible Card in this offer extends only to that Card.

Limit of $250 back in total statement credits on that enrolled Card each calendar year. Offer ends December 31, 2026.

Qualifying Purchases

Offer only valid on qualifying food and beverage concessions purchases at participating stadiums and arenas in the American Express Venue Collection™ ("Participating Venues"). Participating Venues and qualifying purchases are subject to change, and an up-to-date list can be found at go.amex/venue-concessions-us. Please review this list prior to making a purchase at a Participating Venue. Qualifying Purchases must be made during the offer period with your enrolled American Express Card and in an amount totaling at least $0.01 USD as posted to your account, following conversion from a foreign currency, if applicable, in accordance with your Card Member Agreement.

Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

If you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the qualifying purchase for statement credit(s) to post. Please call the number on the back of your Card with any questions about this offer, including questions regarding enrollment or qualifying purchases, or if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified. The 10% back in the form of statement credit(s), up to $250 in total statement credits per calendar year, is calculated based off the total amount of a qualifying purchase made in US dollars or following conversion to US dollars from a foreign currency, if applicable.

American Express Venue Collection™ Entrances and Fast Lanes

American Express Card Member entrances and/or fast lanes are available at venues in the American Express Venue Collection. Card Member entrances and fast lanes may not be available for all events; hours of availability may vary and are subject to change. Entrances and fast lanes may be modified or discontinued at any time and without notice. Card Members must have a valid ticket to the event and can access the Card Member entrance or fast lane by presenting a valid American Express Card in the Card Member's name. The number of guests that may accompany a Card Member through a Card Member entrance of fast lane may vary by venue. Additional terms may apply by venue and by event (including, without limitation, security protocols). American Express does not operate the Card Member entrances or fast lanes; the applicable venue operates the entrance. Venue personnel reserve the right to not allow Card Members and their guests admittance through the Card Member entrance or fast lane for any reason, including, without limitation, not adhering to security protocols. To learn more about a specific venue, please visit americanexpress.com/venues.

American Express® App

The American Express® App and app features are available only for eligible accounts in the United States. American Express® prepaid Cards and Cards issued by non-American Express issuers are not eligible.

To log in, customers must have an American Express user ID and password or create one in the app.

Amex Offers

To redeem an Amex Offer®, eligible Card Members must first enroll in the offer through their online account or in the American Express® App and then use their enrolled Card to make a qualifying purchase. Only U.S.-issued American Express Consumer and Business Cards may be eligible to participate. Card Members can check their eligibility by visiting the Amex Offers section of their online account. American Express, in its sole discretion, reserves the right to determine eligibility for the Amex Offers program and may revoke access or enrollment if we determine that you have engaged, or are likely to engage, in abuse, misuse, or gaming of the program. Please review the terms of each offer for details on how to redeem. By enrolling in an offer, you agree that American Express may use your transaction and personal information to administer the offer, communicate with you about it, and facilitate your experience in accordance with the American Express Privacy Statement. You also consent to receiving electronic communications from American Express, including email, app notifications, and other digital messages, related to your enrolled offers and the Amex Offers program.

By enrolling in an offer, you agree to the individual offer terms and Program Terms. See individual offer terms below, and full Program Terms.

Amex Presale Tickets®

American Express® Card Members have access to purchase Amex Presale Tickets® for select events and select seats, during a specified period prior to the general on-sale dates for those events. Tickets must be purchased using an American Express Card. An American Express Prepaid Card cannot be used to purchase tickets. Amex Presale Tickets® are sold by and fulfilled by third party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. Amex Presale Tickets® are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/entertainment.

Amex Reserved Tickets®

American Express® Card Members have access to purchase Amex Reserved Tickets® for select events and select seats, during a specified period. Tickets must be purchased using an American Express Card. An American Express Prepaid Card cannot be used to purchase tickets. Amex Reserved Tickets® are sold by and fulfilled by third-party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. Amex Reserved Tickets® are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/entertainment.

Cash back – 2%

Cash back can be received on eligible purchases made on your Blue Business Cash Card. The cash back is based on a percentage of the eligible purchases you make during each billing period and will be automatically credited to your account as a statement credit. The statement credit will automatically appear by the second billing statement you receive after the billing statement with the eligible purchases. You will not receive a statement credit for eligible purchases made if you do not pay the minimum payment due by the Closing Date of the billing period in which it is due, or if your Card account is cancelled before the credit is issued. For each calendar year (starting January 1st and ending December 31st), you will receive a statement credit of: 2% on your first $50,000 of eligible purchases; then 1% on all other eligible purchases.
Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards; person-to-person payments or purchases of other cash equivalents. Additional terms and restrictions apply.

Connect to QuickBooks

Connect to QuickBooks works with QuickBooks Online and is available for use with Business Cards from American Express. Any QuickBooks Online screen shots © Intuit Inc. All rights reserved. Intuit, the Intuit logo, QuickBooks, and the QB logo are registered trademarks of Intuit Inc.

Dispute Resolution

Not all disputes are resolved in the Card Member's favor.

Employee Card - Category Alerts

Merchants are categorized based on what they primarily sell. You will not receive an alert if an Employee makes a purchase at a merchant from an approved category, whether or not you consider that purchase to be a part of a particular category.

Employee Card Spending Limits

Employee Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Employee Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply, such as, for example, restaurant tips and hotel stays extended beyond their original reservation period, and the overall Account capacity is taken into consideration. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. For more information on the application of the limit, please refer to the Employee Card Spending Limits Terms and Conditions at www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll Employee Card(s) in this feature.

Expanded Buying Power

The portion of your account balance that is above your credit limit is due in full each month as part of your minimum payment due. You will not incur interest charges on the portion of your account balance that is above your credit limit so long as you pay the entire minimum payment due by the closing date of the billing period in which it is due. If you do not, then the penalty rate will apply to your entire balance, including any amount above the credit limit.

Forfeiting Cash Back

You will not receive the cash back if your Card account is cancelled or in default at the time of fulfillment.

Global Assist® Hotline

While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.

Lowest Hotel Rates Guarantee

Valid only for American Express Card Members. If you book a qualifying hotel rate on amextravel.com or the Amex Travel App™ and then find the same room, in the same hotel, for the same dates, the same number of children and adults, the same rate type and, the same cancellation policy, the same change and refund policies, and the same deposit policies at a lower price online, before taxes and fees, we'll refund you the difference. Rate type refers to whether the hotel rate is prepaid at time of booking ("Pay Now") or payable at check-in ("Pay Later"). Deposit policies refer to any advance payment required to secure the reservation. For prepaid reservations, your claim must be submitted prior to your stay, before the date of check-in. For verification of "pay later" hotel bookings, your claim must be submitted within thirty (30) days after you have completed the hotel stay, and the customer service representative may instruct you to mail a copy of your hotel receipt to American Express within that time period. American Express will honor the lower price for verified requests. The "Lowest Hotel Rates Guarantee" policy applies only to online rates available to the general public and excludes (1) rates or discounts that are not available to the general public, including, but not limited to, corporate, group, charter, meeting/convention, AAA, government/military, and senior citizen rates/discounts; or (2) hotel rooms booked through or in combination with frequent stay, loyalty, points, coupon promotions, rooms won through contests or sweepstakes or transferred, or rooms booked on opaque websites that do not allow you to see the name of the hotel until your reservation is complete; or (3) promotional packages, deals, all-inclusive packages, or bundles that may include additional amenities such as parking, meals, or entertainment, or (4) rates booked through the Fine Hotels + Resorts® and The Hotel Collection programs. Details

Rewards Disclosure for Employee Cards

Terms, conditions and restrictions vary by individual Card products.

Seller of Travel

American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our Travel Consultants. For more information visit www.americanexpress.com/travelterms.

California CST#1022318; Washington UBI#600-469-694

Total Card Limit for Employee Cards

You may add up to 99 total Employee Cards on your account.

Vendor Pay

Vendor Pay by BILL is available on American Express Business and Corporate Cards.

Card Members must sign up for Vendor Pay and enroll the Card for payments by going to www.americanexpress.com/vendorpay. Not all suppliers may accept American Express virtual payments.

● The Basic plan has no monthly fee for the first user and no fee for a second user for six months from when the first user signs up.
After six months, the second user will have a fee of $15 per month.
The Advanced version has a monthly fee of $59 or $99 per user depending on select accounting systems.

The monthly fees are set by BILL and subject to change at BILL's discretion. Fees are in addition to American Express Card fees. There are additional per transaction fees for check and ACH services.

Year–End Summary

The Online Year–End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.

AMEX ASSURANCE COMPANY DISCLOSURES

For important information on policy terms, go to americanexpress.com/benefitsguide

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/CRLDIterms. If You have any questions about a specific vehicle, please call Us at 1-800-338-1670, if international, collect at 1-303-273-6497.

Extended Warranty

Extended Warranty is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/EWterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6497.

Purchase Protection

Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/PPterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6497.