American Express
Blue Business® Plus Credit Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% introductory on purchases for 12 months from the date of account opening. After that, your APR will be a variable rate, 16.74% - 26.74%. |
| Regular APR | After that, your APR will be a variable rate, 16.74% - 26.74%. |
| Network | American Express |
About this card
The Blue Business Plus card earns a strong overall rating of 4.1 due to its valuable rewards program, excellent fee structure, and strong reputation. The standout feature is the 2x Membership Rewards points on all purchases up to $50,000 annually with no annual fee, making it exceptionally valuable for small businesses. The Amex reputation adds to its appeal. While the APR can be high, the intro APR offer mitigates this somewhat. The card's simplicity and access to the Membership Rewards ecosystem make it a top choice. The lack of annual fee and competitive rewards outweigh the high APR and foreign transaction fees. It offers good value overall and fits its target audience well. Strengths: * Generous and simple rewards program (2x points on all purchases up to $50,000) * No annual fee * Introductory APR offer * Access to the valuable Amex Membership Rewards program * Strong reputation and customer service Weaknesses: * High ongoing APR * $50,000 annual spending cap on 2x rewards * Foreign transaction fees
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Intro APR period
Things to consider
- High regular APR
- Requires good or excellent credit
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn 15,000 Membership Rewards® Points
- after you spend $3,000 in purchases on your Card in your first 3 months of Card Membership.
Rewards
- 2X POINTS On Purchases up to $50,000 per calendar year
- 1X POINTS On Purchases Thereafter
Other features
- Know if you're approved with no personal credit score impact
- Option to spend above your credit limit with Expanded Buying Power
- Enjoy flexible spending power, when your business needs it. Expanded Buying Power gives you the freedom to spend above your credit limit and get business done. The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Additional Notes
Your personal credit score may be impacted if you submit an application.