The Blue Business® Plus Credit Card from American Express


For People with
Excellent Credit

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American Express is a Credit Card Insider advertiser

(Rates & Fees)

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).

Card Quick Facts

Card Quick Facts

  • Get rewarded for business as usual. 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 and balance transfers for 12 months, then a variable rate, 14.99%, 17.99% or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • See Rates & Fees

For People with
Excellent Credit

Apply Now

American Express is a Credit Card Insider advertiser

(Rates & Fees)

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

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
How to Redeem
Card Stats

Card Stats

Annual Fee No annual fee
Additional Cards Annual Fee -
Regular Purchase APR 14.99–20.99% Variable
Intro Purchase APR 0% for 12 months
Foreign Transaction Fee 2.7%
Chip Technology Chip-and-Signature
Minimum Credit Limit See Terms
Maximum Credit Limit See Terms
Free Credit Score Yes
Penalty APR 29.99% Variable
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months
Regular Balance Transfer APR 14.99–20.99% Variable
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Employee Cards

    No additional annual fee for employee cards. Every card can earn rewards. Up to 99 employee cards available.

  • Account Manager

    Ability to give other people permission to manage your account.

  • Spend Manager

    Use this feature to get a handle on your spending by adding receipts and notes, via desktop or mobile.

  • ReceiptMatch with QuickBooks®

    Track expenses with ReceiptMatch with QuickBooks®.

  • Account Alerts

    Get alerts about account information on your phone.

  • Relationship Care Service

    24/7 customer support by calling the number on your card. You’ll speak with a specially-trained business representative.

  • Expanded Buying Power

    Spend over your credit limit, with no penalty as long as you pay the minimum required payment each month. The amount you can spend over is not unlimited, it will adjust with your credit history and use of the card.

  • Reports to Business Credit Bureaus

    Amex business cards report positive activity to Small Business Financial Exchange. Negative activity is reported to Dun & Bradstreet, Experian, Equifax, and TransUnion.

  • Amex Offers

    Get significant discounts at a wide variety of retailers, both online and in-store.

  • Lowest Hotel Rates Guaranteed

    If you book an eligible prepaid hotel room through Amex Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference.

  • American Express Personal Loans

    Cardholders have the opportunity to apply for a loan through American Express (but only if they have been pre-approved).

  • Entertainment Access®

    Exclusive access to ticket pre-sales and card member-only events in your city.

  • Dispute Resolution

    Help dealing with fraudulent and incorrect transactions.

  • Extended Warranty

    For warranties of five years or less, get up to one extra year added to the original manufacturer’s warranty.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Global Assist® Hotline

    When you travel 100 miles or more from home, provides help with travel accidents like lost passports, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Baggage Insurance Plan

    Eligible lost, damaged, or stolen bags are covered up to $1,250 for carry-on baggage and up to $500 for checked baggage only.

  • Travel Accident Insurance

    Up to $100,000 in financial security if accident or death is caused when traveling by Common Carrier plane, train, ship, or bus.

  • Car Rental Loss and Damage Insurance

    Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

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