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The Blue Business® Plus Credit Card from American Express

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This American Express business credit card is relatively simple, with no annual fee or bonus reward categories — instead you’ll earn 2X points on all purchases (up to $50K spent annually). If you want an easy spending solution, with a basic rewards program but good redemption options, this could be the card for you.

The information related to The Blue Business® Plus Credit Card from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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(Rates & Fees)

Our rating
Min. credit level: Good
Annual Fee: No annual fee
Regular APR: 13.24–19.24% Variable
Intro Purchase APR: 0% for 12 months

The Blue Business® Plus Credit Card from American Express

Our rating
Good Min. credit level
No annual fee Annual Fee
Apply Now Read our Review

Highlights & Features

(Rates & Fees)

Rewards

  • 2X Membership Rewards points per dollar spent on the first $50,000 in purchases each year
  • 1X Membership Rewards point per dollar spent on all other purchases

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 29.24% Variable
Late Fee Up to $39
Returned Payment Fee $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee 2.7%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
The Blue Business® Plus Credit Card from American Express

Highlights

(Rates & Fees)
  • 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
ABOUT THE ISSUER

American Express Business

American Express Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-519-6736 or

Try a different phone number
See all Issuer Cards

Due to the impact of COVID-19, for eligible card accounts approved from 12/1/19 through 5/31/20, the period to make eligible purchases to earn the welcome bonus will be extended for an additional three months.

The Blue Business® Plus Credit Card from American Express is a solid option for business owners who spend up to about $50,000 per year and want to earn rewards, but don’t want to pay an annual fee (Rates & Fees).

You’ll get 2X Membership Rewards points per dollar spent on all purchases, up to $50,000 spent per year (then 1X). This simple rewards program makes it easy to earn Membership Rewards points without thinking too much about categories and where you’re spending.

Since it’s a credit card and not a charge card, this card can afford you some extra flexibility when paying your bill (several American Express business cards are charge cards).