The Blue Business® Plus Credit Card from American Express
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- American Express
- Intro purchase APR
- 0% for 12 months from account opening date
At a glance
The Blue Business® Plus Credit Card from American Express is a business rewards credit card that streamlines the Membership Rewards® points earning process by offering 2X points on everyday business purchases with no category restrictions, up to $50,000 annually. You can also spend above your credit limit with this card, so long as you remember to pay off those purchases above your credit limit in full that same month.
Our review of the The Blue Business® Plus Credit Card from American Express
The American Express Blue Business® Plus Card is a top-notch business credit card that stands out in the market. It offers up to 2X rewards on all purchases (up to $50,000 per year) with no annual fee. Not only does it provide great rewards, but it also allows users to make purchases beyond their credit limit, which can be a lifesaver for unexpected business expenses. When compared to other leading business credit cards like the Chase Ink Business Preferred, the American Express Blue Business® Plus Card holds its own.
Who Can Benefit from the American Express Blue Business® Plus Card?
Small business owners looking for a credit card with enhanced benefits and flexibility will find the American Express Blue Business® Plus Card to be an excellent choice. The expanded buying power feature allows for purchases beyond the credit limit without additional fees, making it ideal for businesses with fluctuating expenses or needing to make larger purchases.
Introductory APR Benefits
The Blue Business Plus Card offers a generous 12-month 0% APR introductory period on purchases, providing a stress-free year for individuals or businesses with significant expenses. After the introductory period, a competitive variable APR applies.
Expanded Buying Power Benefits
The standout feature of the Blue Business® Plus Card is its Expanded Buying Power, providing more flexibility in spending. This feature allows for purchases exceeding the credit limit without extra fees, making it beneficial for those with substantial business expenses or significant purchases.
Welcome Offer
New accounts can earn 50,000 Membership Rewards® Points by making $8,000 in purchases within the first three months of account opening.
Earn Up to 2X Membership Rewards Points
Cardmembers earn 2X Membership Rewards points on eligible purchases up to $50,000 per calendar year. After reaching the threshold, 1X points are earned on all eligible purchases.
How to Redeem Rewards
Membership Rewards points do not expire as long as the account remains open and in good standing. Points can be redeemed for various options including travel, hotels, airfare, cruises, merchandise, gift cards, statement credits, and charitable donations.
Points Transfer Partners
American Express Membership Rewards points can be transferred to over a dozen leading hotel and airline loyalty programs, offering flexibility in redeeming points.
Other Card Benefits
The Blue Business® Plus Card offers additional benefits such as complimentary employee cards, QuickBooks integration, account manager, account alerts, and Vendor Pay by Bill.com. It also provides a year-end summary for tracking business expenses.
Comparison
| Card | Annual Fee | Rewards | Intro APR | Employee Cards |
|---|---|---|---|---|
| Blue Business Cash™ Card | $0 | Earn 2% cash back on eligible purchases | 0% for 12 months | Free |
| Blue Business® Plus | $0 | Earn 2X points on everyday business purchases | 0% for 12 months | Free |
| Ink Business Unlimited® | $0 | Earn unlimited 1.5% cash back on all purchases | 0% for 12 months | Free |
Expense Management Tools
The American Express Blue Business® Plus Card offers comprehensive expense management tools to streamline tracking business expenses and simplify accounting procedures, saving time and effort for business owners.
Expanded Buying Power
The card provides expanded buying power, allowing cardholders to stretch their credit line to accommodate business needs, making it a valuable asset for businesses of all sizes.
Reward Points
The ability to earn Membership Rewards points on every purchase sets the American Express Blue Business® Plus Card apart, particularly beneficial for small businesses interested in using points for travel.
Things to Consider
While the card offers a range of benefits, limited acceptance of American Express compared to Visa or Mastercard and inconsistent customer service may be drawbacks to consider.
Should You Apply for the American Express Blue Business® Plus Card?
The American Express Blue Business® Plus Card is a solid choice for business owners looking for a credit card with great rewards, expense management tools, and flexibility. Whether you’re a startup or an established company, this card provides the tools and support needed to achieve your business goals. Consider the benefits and drawbacks before applying.
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Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
Who this card may suit
- You run a business and are likely to have $50,000 in expenses in the next year, maximizing your 2X Membership Rewards® points earning potential
- You want the flexibility of being able to spend above your credit limit should company emergencies arise
- You do not want to incur annual fees for your card or employee cards
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 12 months from account opening date |
| Regular Purchase APR | 18.49% to 26.49% variable based on creditworthiness and the Prime Rate |
| Foreign Transaction Fee | 2.7% of the transaction amount in U.S. dollars |
| Penalty APR | 29.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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