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The Blue Business® Plus Credit Card from American Express review

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Offers an intro APR on purchases and no annual fees.

finder.com’s rating: 4.3 / 5

★★★★★

  • Get this card if you’re looking for a credit card with $0 annual fees and a low intro purchase APR.
  • Pick something else if you want to earn travel rewards or want higher cashback rewards for your business purchases.
  • Apply with excellent credit of 670 or higher.

$300

Welcome offer

Up to 2x

Points

$0

Annual fee

0%

Intro purchase APR

for the first 12 months (then 13.24% to 19.24% variable)

Details

Product NameThe Blue Business® Plus Credit Card from American Express
Card typeAmerican Express
Annual fee$0
Purchase APR0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APRN/A
Penalty APR29.24% variable
Foreign transaction fee2.7% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment fee$39
Additional cardholder fee$0
Rates & feesrates & fees

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards 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 review

The Blue Business® Plus Credit Card from American Express comes with a $0 annual fee (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.

The perks

  • 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.

You’ll also like

  • 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.
  • Roadside assistance.

    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.

Best business credit cards with 0% intro APR

Compare business credit cards

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
United℠ Business Card
2x miles on United, transit and rideshares, and at gas stations, office supply stores and restaurants, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 miles once after spending $3,000 in your first 3 months.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
Southwest Rapid Rewards® Performance Business Credit Card
3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases
15.99% to 22.99% variable
$199
Earn 70,000 points when you spend $5,000 on purchases in the first 3 months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months.
Brex for Startups
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
Southwest Rapid Rewards® Premier Business Credit Card
2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
$99
Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.
Brex for Ecommerce
N/A
N/A
$0
60-day interest-free financing for e-commerce businesses.
BP Business Solutions Mastercard®
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
27.24% variable
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
ARCO Business Solutions Fuel Card
18.24% to 27.24% variable
Up to $180
The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver.
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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.

What do customers say about The Blue Business® Plus Credit Card from American Express?

American Express has been accredited with the Better Business Bureau (BBB) since 1948 and gets an A+ rating. However, as of this writing, 90% of reviews for this credit card provider are negative, with customers complaining about poor customer service, delays in receiving reward points and issues redeeming reward points in general. On TrustPilot, the provider receives a rating of 3 out of 10, with more complaints about the customer service team and issues disputing unauthorized charges on American Express credit cards.

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.

How to apply for The Blue Business® Plus Credit Card from American Express?

  1. Go to the provider's site and click Apply now.
  2. Select The Blue Business® Plus Credit Card from American Express from the list and click Apply.
  3. Complete the application with details like your name, address, annual income and Social Security number.
  4. Review and submit your application.
  5. 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.

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.

Bottom line

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

Images: americanexpress.com

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