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.
The 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.
See how it stacks up against other cards in The Business Gold Rewards Credit Card vs The Blue Business Plus Credit Card from American Express.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $0
- Intro Purchase APR 0% for 15 months
- Regular Purchase APR 12.49%, 16.49% or 20.49% Variable
- Earn 2 points for every dollar spent on the first $50,000 in purchases each year
- Earn 1 point for every $1 spent on all other purchases
- Signup Bonus None
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee 2.7%
- Intro Balance Transfer APR 0% for 15 months
- Regular Balance Transfer APR 12.49%, 16.49% or 20.49% Variable
- Cash Advance APR N/A
- Penalty APR 29.99% Variable
- Late Fee Up to $38
- Returned Payment Fee $38
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
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.
Get significant discounts at a wide variety of retailers, both online and in-store.
Save 10% on Utilities
Occasionally you’ll be given the opportunity to save 10% on your cable, satellite TV, and/or cell phone bills.
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.
Complimentary ShopRunner Membership
Cardholders can enroll in ShopRunner for free, which provides free two-day shipping at participating retailers.
American Express Personal Loans
Cardholders have the opportunity to apply for a loan through American Express (but only if they have been pre-approved).
Exclusive access to ticket pre-sales and card member-only events in your city.
OPEN Business Services
No additional annual fee for employee cards. Every card can earn points. Up to 99 employee cards available.
Ability to give other people permission to manage your account.
Use this feature to get a handle on your spending by adding receipts and notes, via desktop or mobile.
Online community for small business owners to connect with each other.
Extra savings on eligible purchases from participating merchants.
ReceiptMatchSM with QuickBooks®
Track expenses with ReceiptMatch with QuickBooks®.
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.
Help dealing with fraudulent and incorrect transactions.
For warranties of 5 years or less, get up to 1 extra year added to the original manufacturer’s warranty.
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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