Earn as much as 2% again: You may earn 2% again on each buy, as much as a spending cap of $50,000 per calendar yr. After you attain that cap, you may earn 1% again. For a no-annual-fee card, 2% again is a superb cash again price. Sadly, the $50,000 yearly restrict may very well be an issue if your enterprise spends greater than $4,000 to $5,000 per thirty days.No annual price: You will not must pay an annual price to hold this card. Extra worker playing cards are additionally freed from cost.Spending limits on worker playing cards: One helpful and under-appreciated perk of American Categorical cardsstyle=”text-decoration: underline”> is the choice to set spending limits for approved customers. When you have got an American Categorical enterprise card, meaning you possibly can put spending limits on worker playing cards. Many different card issuers do not provide this function. It is a useful method so as to add extra safety to your account.0% intro APR: The Blue Enterprise Money™ Card from American Categorical presents a 0% intro APR on purchasesstyle=”text-decoration: underline”> for 12 months. You probably have any main enterprise bills, similar to opening a brand new location, you possibly can use your card to finance the prices curiosity free for a yr.Expanded shopping for energy: American Categorical enables you to exceed your credit score restrict to make purchases with out paying an over-the-limit price. The quantity you possibly can spend past your credit score restrict relies on quite a lot of elements, together with your use of the cardboard and cost historical past. With most credit score cardsstyle=”text-decoration: underline”>, you both cannot exceed your credit score restrict or might be charged a price when you do.When you do go over your restrict, you may need to pay that further a reimbursement in full alongside along with your minimal cost on the finish of your billing cycle. In any other case, the penalty APRstyle=”text-decoration: underline”> will apply to your whole stability. Whereas expanded shopping for energy may be useful, try to be cautious about how you employ it to keep away from pricey curiosity expenses.Client and journey protections: This card presents the next protections and coverages:Automobile rental loss and harm insurancePurchase protectionExtended guarantee coverageAutomatic redemptions: You do not have to spend any time redeeming your cash again as it is going to be routinely utilized as a press release credit score every month.