American Express
Blue Business® Plus Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 15,000 Membership Rewards Points |
| Rewards Rate | 1X-2X Points on purchases |
| Intro APR | 0% introductory APR on purchases for 12 months from the date of account opening. |
| Regular APR | After that, your APR will be a variable rate, 16.74% - 28.49%. |
| Network | American Express |
About this card
The American Express Blue Business® Plus Credit Card earns an excellent overall rating of 4.3. This card stands out as a premier choice for small businesses due to its exceptionally strong rewards program and outstanding fee structure. The ability to earn 2X Membership Rewards points on all eligible purchases up to $50,000 annually, coupled with a $0 annual fee, provides immense value, making it a 'no-brainer' for many entrepreneurs and freelancers. The access to the highly flexible and valuable Membership Rewards ecosystem further solidifies its position. Its reputation is stellar, consistently praised by experts and users for its simplicity and effectiveness as a business 'workhorse' card. While the card offers a very competitive 0% introductory APR for 12 months on purchases, its ongoing variable APR can be quite high. This high potential regular APR is the primary drawback, making it less ideal for businesses that frequently carry a balance beyond the intro period. However, for those who pay their balance in full each month or can leverage the introductory offer, this weakness is significantly mitigated. The combination of no annual fee, generous flat-rate rewards, and the backing of American Express's strong reputation and customer service delivers an excellent value proposition that strongly outweighs its few limitations, particularly for its target audience seeking straightforward, high-value rewards without an annual fee. It perfectly fits its niche and is highly recommended for eligible businesses. Strengths: * Exceptional rewards program: 2X Membership Rewards points on all eligible purchases up to $50,000 annually with a $0 annual fee. * No annual fee, providing outstanding long-term value. * Valuable and flexible Membership Rewards points, offering strong redemption options. * Strong and positive reputation among financial experts and users. * 0% introductory APR on purchases for 12 months, aiding cash flow management. * Excellent target audience fit for small businesses and freelancers seeking simple, high-value rewards. Weaknesses: * High ongoing variable APR after the introductory period, making it costly if balances are carried. * Foreign transaction fees, making it less suitable for international business expenses. * $50,000 annual cap on 2X rewards may be a limitation for very high-spending businesses.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
Things to consider
- High regular APR
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 Eligible Purchases on the first $50,000 of eligible purchases 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
- As business needs evolve, your spending power should too. 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
Call to apply 1-888-781-6736. American Express can be accepted at 99% of places in the US that accept credit cards. Based on the Feb 2024 Nilson Report.