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The Blue Business® Plus Credit Card from American Express

Credit needed
Good
APR
13.24% to 19.24%
Annual Fee
$0

Card Summary

American Express' Blue Business Plus Credit Card is a credit card that rewards businesses. Two points per dollar for the first $50,000 in annual spending, and one per dollar thereafter.

Cardholders don't have to pay an annual fee and can enjoy a 0% initial APR for purchases within the first twelve months. The variable APR of 13.24% to 19.24% applies thereafter.

Benefits for cardholders include access to Global Assist Hotline, free car rental insurance and employee cards.

American Express Blue Business Plus Credit Card review:

The card may be suitable for small business owners looking to receive simple rewards and have no annual fees.

For those who make frequent purchases in the U.S., it might not work well.

Card Summary - Cons

Rates and fees

Issuer Name
American Express
Penalty APR
Variable: 29.24%
Credit Needed
Good
Balance Transfer Fee
N/A
Annual Fee
$0
Cash Advance Fee
N/A
APR
13.24% to 19.24%
Foreign Transaction Fee
After conversion to US Dollars, 2.7% of every transaction is retained.
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American Express

The Best Features

Reward Points: Cardholders will earn 2 points for every dollar spent over $50,000 in the first year. After that, all purchases earn 1 point per $1.

American Express Blue Business Plus Credit Card has an annual fee of $0 purchases.

0% APR introductory rate: The APR for purchases thereafter is between 13.24% and 19.24% variable.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Balance transfer fee (or $5): A balance transfer fee is charged at 3% of the transferred amount.

Highlights

After you have spent $3,000 on eligible purchases, 15,000 Membership Rewards points will be earned within the first three months of your Card Membership.

Get 2X Membership Rewards points for every day business purchases, such as office supplies and client dinners.

The first $50,000 of purchases each year are eligible for 2X, and every dollar thereafter is 1 point. With Expanded Buying power, you can use your Card to purchase more than its limit.

You cannot spend more than your credit limit. This adjusts based on your card use, payment history, credit records, financial resources, American Express and other factors.

1.0% Intro APR for purchases within 12 months of account opening. After that, variable rates, 13.24% to 19.24% depending on creditworthiness, and other factors, will apply.

There is no annual fee. These terms apply

Benefits

Comparative Analysis with Other Cards

American Express Blue Business Plus Credit Card vs. The Ink Business Credit Card

Annual fees: There is no annual fee for either card.

Reward: American Express Blue Business Plus Credit card earns 2 Membership Rewards(r), 1 point for every dollar thereafter, on purchases made by clients such as office supplies and client dinners. Cardholders of the Ink Business Cash Credit Card earn 5% cashback on their first $25,000 combined purchase at offices supply shops, on the internet, on cable, and telephone services each year. Cardholders receive 2% cashback on their first 25,000 combined gas station and restaurant purchases annually, and 1% on any other purchases.

Sign-up bonus: Blue Business Plus Credit card from American Express offers a welcome offer. After you have spent $3,000 on eligible purchases within the first three months of your Card membership, you will receive 15,000 Membership Rewards points.

Ink Business Cash Credit Card: $750 Bonus Cash Back when you Spend $7,500 in Purchases within the first 3 months of account opening.

Benefits: Cardholders of the Blue Business Plus Credit Card by American Express get no cost employee cards, vehicle rental damage and insurance, an extended warranty, purchase protection, and car rental loss and damages insurance.

Cardholders of the Ink Business Cash Credit Card get extended warranty protection and purchase protection.

American Express Blue Business Plus Credit Cards: Should you Get It?

A business credit card is available with no annual fees and simple rewards.

Take advantage of the 0% initial APR for purchases during the first twelve months that your account has been open.

You shouldn't use your card to make purchases in the U.S. Click here to view rates and fees for The Blue Business Plus Credit Card by American Express.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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American Express