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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.

American Express is a Credit Card Insider advertiser.

(Rates & Fees)

Our rating
Min. credit level: Excellent
Annual Fee: No annual fee
Regular APR: 14.74–20.74% Variable
Intro Balance Transfer APR: 0% for 12 months
Intro Purchase APR: 0% for 12 months

The Blue Business® Plus Credit Card from American Express

Our rating
Excellent 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 0% for 12 months
Regular Balance Transfer APR 14.74–20.74% Variable
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 29.99% 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

  • 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, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • See Rates & Fees
ABOUT THE ISSUER

American Express

American Express 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

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1-800-519-6736 or

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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).