The Blue Business® Plus credit card from American Express offers small business owners a powerful combination of rewards and financial flexibility. With no annual fee and a straightforward rewards structure, this card is tailored to support businesses in maximizing their purchasing power while earning valuable Membership Rewards® Points.

This card stands out for its simplicity and effectiveness in managing day-to-day business expenses. Whether you’re purchasing office supplies, paying for advertising, or covering travel expenses, the Blue Business® Plus credit card provides a reliable way to earn rewards on every dollar spent.

Key information about the Blue Business® Plus credit card from American Express

The Blue Business® Plus credit card from American Express is designed to cater to the needs of small businesses, offering a compelling rewards structure and financial flexibility without an annual fee. Cardholders earn 2X Membership Rewards® Points on the first $50,000 spent annually, and 1X Points thereafter, providing ample opportunities to accumulate rewards on business purchases.

With a 0% introductory APR on purchases for the first 12 months, followed by a variable APR ranging from 18.49% to 26.49%, this card not only supports cash flow management for new and established businesses alike but also provides flexibility in financing business operations and strategic investments.

How does the annual fee work?

The Blue Business® Plus credit card does not charge an annual fee, making it an attractive choice for business owners looking to minimize costs while still benefiting from a credit card rewards program. This fee-free structure ensures that all rewards earned contribute directly to enhancing your business’s bottom line.

How is the credit limit determined?

American Express determines the credit limit based on various factors, including your creditworthiness, payment history, and financial resources. For conventional credit cards like the Blue Business® Plus, the limit is set by American Express. This card does not operate as a prepaid card where the limit is determined by the deposit amount.

Credit card benefits 

• No annual fee: The Blue Business® Plus credit card from American Express does not charge an annual fee, allowing businesses to maximize their rewards without additional costs.
• Earn 2X Membership rewards® points: Cardholders earn 2X points on the first $50,000 in purchases each year, then 1X points thereafter, making it easy to accumulate points on everyday business expenses.
• 0% introductory APR: Enjoy a 0% introductory APR on purchases for the first 12 months, providing flexibility in managing business expenses without incurring interest charges.
• Expanded buying power: Benefit from Expanded Buying Power, allowing businesses to spend above their credit limit based on payment history, creditworthiness, and other factors, helping manage cash flow effectively.
• Flexible redemption options: Membership Rewards® Points can be redeemed for travel, gift cards, merchandise, and more, offering flexibility to tailor rewards to business needs.
• Global acceptance: Accepted at millions of locations worldwide where American Express cards are welcomed, ensuring convenience for business purchases locally and internationally.

Membership rewards® points

The standout feature of the Blue Business® Plus card is its Membership Rewards® Points program. Points can be redeemed for a variety of rewards, including travel bookings, gift cards from popular retailers, statement credits, and more. The flexibility in redemption options allows businesses to tailor rewards to their specific needs, whether it’s expanding operations, rewarding employees, or enhancing business travel.

Disadvantages

• Foreign transaction fees: The Blue Business® Plus credit card from American Express charges foreign transaction fees on purchases made outside the United States, which can add up for businesses with international operations.
• Variable APR: After the introductory period, the APR becomes variable, ranging from 18.49% to 26.49%, depending on creditworthiness. This variable APR can impact businesses carrying balances from month to month.
• Limited bonus categories: While the card offers 2X points on the first $50,000 in purchases annually, and 1X points thereafter, it may not provide additional bonus categories tailored to specific business spending needs, potentially limiting earning opportunities in certain expense areas.

Foreign transaction fees

One notable disadvantage is the foreign transaction fee, which is charged on purchases made outside of the United States. For businesses engaged in international transactions, these fees can diminish the overall benefits of using the card for global business operations.

Who can apply for this card?

To apply for the Blue Business® Plus credit card, applicants typically need to be U.S. residents with a good to excellent credit score. The specific credit score requirements and other eligibility criteria are assessed during the application process, ensuring that applicants meet the financial standards necessary for responsible credit use.

How to apply for the Blue Business® Plus credit card from American Express

Via WebSite

To apply for the Blue Business® Plus credit card from American Express through their website, follow a straightforward and convenient process designed for small business owners. Start by visiting the official American Express website and navigating to the credit cards section or using the search function to locate the Blue Business® Plus card.

Once you’ve found the dedicated page for the Blue Business® Plus card, you’ll find detailed information about its benefits, fees, and terms. It’s essential to review this information carefully to fully understand what the card offers and how it aligns with your business needs.

On the Blue Business® Plus card page, look for the “Apply Now” button. Clicking on this button will take you to the online application form. Fill out the application form with accurate information about your business, personal details, financial information, and any additional requested information. Make sure to provide all required documents and information to expedite the review process.

After submitting your application, American Express will typically provide a decision promptly, often within minutes. If approved, you’ll receive your Blue Business® Plus card by mail. Upon receiving the card, follow the instructions provided to activate it, allowing you to start using its benefits for your business purchases.

Applying online ensures a streamlined process with minimal hassle, offering you the convenience of managing your business expenses efficiently with the Blue Business® Plus credit card from American Express.