The Blue Business® Plus Credit Card from American Express review
A small business credit card with a $0 annual fee and up to 2x points on purchases.
finder.com’s rating: 4.3 / 5
- Get this card if spend up to $50,000 annually and you don’t want to track rewards categories.
- Pick something else if you want to earn a higher rewards rate on your business purchases.
- Apply with excellent credit of 670 or higher.
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.
0% intro for the first 12 months (then 13.24% to 19.24% variable)
Minimum Credit Score
|Rewards||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.|
|Purchase APR||0% intro for the first 12 months (then 13.24% to 19.24% variable)|
|Balance transfer APR||N/A|
|Minimum Credit Score||670|
Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
Expert reviewThe Blue Business® Plus Credit Card from American Express comes with a $0 annual fee (see Terms apply, see rates & fees) and an intro APR period of 0% on purchases for the first 12 months, then 13.24% to 19.24% variable. You get to earn a solid 2x points on all purchases for the first $50,000 spent each year, and 1x points after that.
Overall, this card is designed to help support the small business owner who is just starting out and needs to make a large initial purchase, and considering it has no annual fee — it does an excellent job.
How to apply for The Blue Business® Plus Credit Card from American Express?
- Go to the provider's site and select Apply now.
- Select The Blue Business® Plus Credit Card from American Express from the list and click Apply.
- Complete the application with details like your name, address, annual income and Social Security number.
- Review and submit your application.
- Alternatively, you can apply by phone at 1-800-519-6736 or 1-888-781-6736.
How long will it take to be approved?
If all information is accurate and complete, and the requirements are met, the approval is instant. Upon approval, you’ll receive the card in three to four business days via UPS.
The Blue Business® Plus Credit Card from American Express benefits
Low intro APR for purchases.
Get a 0% intro APR for purchases for the first 12 months following your account opening. After that it is a 13.24% to 19.24% variable APR. This is beneficial for small companies that are starting out and have limited cash inflow. The intro period could help you carry the balance until you can pay it off.
$0 annual fees.The Blue Business® Plus Credit Card from American Express has $0 annual fees, which makes it a good option for your business if you are looking to minimize your card fees.
Earn membership reward points.
Earn 2x Membership Rewards points on your first 50,000 in purchases a year, and 1x points thereafter. You can redeem these points in several ways, including purchasing flights, hotel accommodations or gift cards, or shopping through the Membership Rewards® site.
How much are membership reward points worth?
10,000 points are worth:
- $50–$100 in gift cards and vouchers.
- $50–$70 for shopping with stores supported by the Membership Rewards® site including Amazon, Newegg, BestBuy and Staples among others.
- $50–$100 for traveling costs such as flights, hotels, cruises and purchases through Expedia.
- $50 for entertainment purchases through Ticketmaster and AXS.
- $70–$100 for point of sale purchases with New York City taxis and at Rite Aid.
- $50–$100 if you donate to charity.
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Buy above your credit limit.
You have the option to buy above your credit limit with The Blue Business® Plus Credit Card from American Express. This is an automatic feature and you don’t need to call the bank to set it up. However, the amount you can spend is limited.
Expense management tools.
You’ll have access to online capabilities including the American Express® Business App to help you manage your expenses, the ability to set up account managers and tools to transfer all of your card data directly to your QuickBooks account.
Travel Insurance.The Blue Business® Plus Credit Card from American Express has you covered when you’re out of state and abroad with travel insurance, car rental loss and insurance and baggage insurance.
Whenever you’re stranded on the road and you need a tire changed, a tow or your battery changed, you can call the number on the back of your card for the roadside assistance hotline. They will immediately coordinate with emergency services who will help you out.
What to watch out for
Late payment fees.
Try to make your payments on time to avoid paying unnecessary penalty fees, which can be up to $39 for late payments.
No balance transfers.
The balance transfer feature, including a strong intro APR on transfers, were removed from this card in May 2020.
Compare business credit cards
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
What size business is The Blue Business® Plus Credit Card from American Express good for?
Small businesses just starting out with limited cash inflow may find this card useful. It has $0 annual fees, and with its 0% introductory purchase APR for the first 12 months after you open your account — and 13.24% to 19.24% variable APR after that — you won’t have to worry about interest charges if you carry your balance and pay once you have the funds. This feature can help you out if you want to make a large purchase early on.
While you use this card, you’ll earn 2x membership reward points on all your spending on up to 50,000 in annual purchases and 1x points after. You can redeem these points in multiple ways including purchasing flights, hotel stays, gift cards or entertainment tickets, or by shopping through the Membership Rewards® site.
What should I know before I apply?
To apply for The Blue Business® Plus Credit Card from American Express, American Express will ask you for information about yourself and your business. This information includes:
- Business name and address
- Industry type
- Company structure
- Years in business
- Number of employees
- Annual revenue and monthly spending
- Federal Tax ID, also known as Employment Identification Number (EIN)
- Personal information of the credit card owner, including annual income
What credit score do I need?
You can get approved with a fair business credit score, but to get a higher credit limit and a lower APR on purchases, apply with a good credit score or higher.
The Blue Business® Plus Credit Card from American Express reviews and complaints
The American Express Company has been accredited with the Better Business Bureau since 1948 and earns an overall A+ rating as of August 2021. However, 90% of its reviews are negative and it has nearly 3,400 customer complaints. Amex cardholders in general complain of rude customer service reps, missing statement credit and issues disputing charges.
The company earns a Trustpilot score of 1.9 out of 5 as of August 2021. Many negative reviews cite unhelpful customer service and inflexible company policies. Positive reviews say the company employs pleasant customer service representatives. Overall, your mileage may vary with American Express customer support.
For reviews of this specific card, customers like the option to earn 2x points on every purchase up to 50,000 per year and that it comes with no annual fee.
I got the card. Now what?
- Use the online management tools.
American Express offers a variety of online tools that can help you set up automated payments and account alerts to avoid late payments. You can also manage your expenses by using the Spend Manager℠ and you can transfer your data directly to your QuickBooks account.
- Avoid paying interest.
Your due date is 25 days after the close of each billing period. Try to pay your entire balance by the due date to avoid paying unnecessary fees.
- Contact customer service.
You can call the American Express customer service line at any time with any questions by dialing 1-800-528-4800.
For a small business owner who wants to make a large initial purchase, this card’s intro APR on purchases can help. It can be especially useful if your business’s cash flow isn’t well established just yet.
In addition to the intro APR, the card has $0 annual fees and it lets you earn 2x membership rewards points for all business purchases on up to 50,000 per year and 1x points on purchases thereafter. You can redeem these points whenever you want for gift cards, travel purchases or shopping.
Take your time and compare your business credit card options before you settle. Features, rates and fees will vary across cards and providers, and comparing will help you establish which is best for your unique business.
Frequently asked questions
How we determined the value of Amex Membership Rewards points
To determine the average value of an Amex Membership Rewards point, we looked at the equivalent dollar value a redemption option would cost in the Amex Membership Rewards program. We calculated this average across all redemption options available through Amex to reach the approximate value you can expect when redeeming these points on average. In this case, the average value of a single Membership Rewards point came out to 2 cents per point.
Remember that your points could be worth more or less depending on what you redeem them on, so this value should be used as a general guide.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
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