How Does LendingTree Get Paid?
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How LendingTree Gets Paid

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The Blue Business® Plus Credit Card from American Express

The Blue Business<sup>®</sup> Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

Intro and Regular APR
0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable
Rewards Rate
Earn 2X points on everyday business purchases up to the annual cap
Flexible Spending
Enjoy the flexibility to put more purchases on the Card
Edited by
Julie Sherrier
Reviewed by
Tracy Brackman
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is The Blue Business® Plus Credit Card from American Express best for?

If you’re a small business owner who wants the prestige and benefits that come with carrying an American Express business credit card while also having the ability to carry a balance interest-free for a year, check out The Blue Business® Plus Credit Card from American Express.

In addition to offering rewards on company-related expenses, such as office supplies, the no annual fee card offers an interest-free period on purchases for an entire year.

We review the pros and cons of The Blue Business® Plus Credit Card from American Express and show how it compares to the American Express Blue Business Cash™ Card, which offers cash back on every purchase.

The Blue Business® Plus Credit Card from American Express overview

    • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
    • 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.
    • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
    • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
    • No Annual Fee
    • Terms Apply
  • Credit needed:
    680 850
    Excellent/Good
  • Up to $300 in statement credits to cover select office expenses
  • Employee cards at no additional fee
  • Expanded Buying Power
  • Designated account manager
  • American Express® Business App
  • Vendor Pay by Bill.com
  • Relationship Care® Service
  • Global Assist® Hotline
  • Car rental loss and damage insurance
  • Extended warranty
  • Purchase protection

Intro Purchase APR

0% on purchases for 12 months from date of account opening

Intro BT APR

N/A

Annual Fee

No annual fee

Regular Purchase APR

13.24% - 19.24% Variable

Cash Advance Fee

N/A

Foreign Transaction Fee

2.7% of each transaction after conversion to US dollars.

Balance Transfer Fee

N/A

Pros and cons of The Blue Business® Plus Credit Card from American Express

Pros

  • Rewards rate
  • Intro APR on purchases
  • No annual fee
  • Welcome bonus

Cons

  • Cap on rewards earning
  • Foreign transaction fees

What we like about The Blue Business® Plus Credit Card from American Express

  • Rewards rate

    The Blue Business® Plus Credit Card from American Express offers a solid rewards rate: 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.

    Membership Rewards points — which are valued at up to 1 cent each, depending on how you use them — can be redeemed for travel, gift cards or merchandise. You can also use points to cover previous charges or to pay for purchases at a variety of merchants. Or, you can transfer Membership Rewards points to 22 airline and hotel partners, mostly at a rate of 1:1.

  • Intro APR on purchases

    If you need to finance a large purchase, such as company equipment or business travel, The Blue Business® Plus Credit Card from American Express offers an intro APR of 0% on purchases for 12 months from date of account opening. Once the introductory period ends, a regular APR of 13.24% - 19.24% variable applies to any unpaid portion of your balance.

  • Annual fee

    The Blue Business® Plus Credit Card from American Express comes with no annual fee. Additionally, you will not be charged an annual fee for employee cards.

  • Welcome bonus

    The The Blue Business® Plus Credit Card from American Express offers the following welcome bonus for new cardholders: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

To see the rates and fees for The Blue Business® Plus Credit Card from American Express, please click here.

What to watch out for with The Blue Business® Plus Credit Card from American Express

  • Reward earning cap

    The Blue Business® Plus Credit Card from American Express only allows cardholders to earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. If your company charges more than $4,200 each month on business expenses, you’ll be better off with a card that offers bonus cash back without a spending cap.

  • Foreign transaction fees

    When traveling abroad, it’s best to use a card that doesn’t charge foreign transaction fees. The Blue Business® Plus Credit Card from American Express assesses foreign transaction fees of 2.7% of each transaction after conversion to US dollars.

To see the rates and fees for The Blue Business® Plus Credit Card from American Express, please click here.

Alternate business card to The Blue Business® Plus Credit Card from American Express

Compare it to the American Express Blue Business Cash™ Card

Disclosures |
American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card
on American Express's secure site
Terms Apply
0% on purchases for 12 months from date of account opening
13.24% - 19.24% Variable
No annual fee
Earn 2% cash back on all eligible purchases on up to $50,000
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


The Blue Business® Plus Credit Card from American Express and American Express Blue Business Cash™ Card are virtually identical. They both offer the same annual fees, introductory APRs on purchases and benefits, including Expanded Buying Power, car rental loss and damage insurance and extended warranty, but where they differ is in their rewards structures.

Unlike The Blue Business® Plus Credit Card from American Express, which offers points on every purchase you make, the American Express Blue Business Cash™ Card offers cash back. Cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

Additionally, while Membership Rewards points can be redeemed for travel, gift cards, statement credits or transferred to a number of travel partners, cash back will automatically be credited to your account as a statement credit.

With the American Express Blue Business Cash™ Card, you can earn $1,000 cash back each year if you max out the $50,000 spend cap — the same value you can earn by maxing out The Blue Business® Plus Credit Card from American Express’s spend cap if you redeem your rewards for flights or upgrades through American Express Travel, select gift cards or NYC taxis as a statement credit.

But those same Membership Rewards points will be worth $700 with The Blue Business® Plus Credit Card from American Express if redeemed for other types of travel, such as prepaid hotel rooms or cruises, through American Express Travel, and $600 if you use points to cover previous charges.

Compare the The Blue Business® Plus Credit Card from American Express to similar cards

Comparison of four different credit cards
The Blue Business<sup>®</sup> Plus Credit Card from American Express American Express Blue Business Cash™ Card Ink Business Preferred℠ Credit Card Capital One Spark Cash for Business
The Blue Business® Plus Credit Card from American Express American Express Blue Business Cash™ Card Ink Business Preferred℠ Credit Card Capital One Spark Cash for Business
Apply Now
on American Express's secure site
Terms Apply
Apply Now
on American Express's secure site
Terms Apply
Apply Now
on Chase's secure site
Apply Now
on Capital One's secure site
Annual Fee
No annual fee No annual fee $95 $0 intro for first year; $95 after that
Welcome Offer
15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Rewards Rate
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. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. 2% Cash Back for your business on every purchase, everywhere
Intro Purchase APR
0% on purchases for 12 months from date of account opening 0% on purchases for 12 months from date of account opening N/A N/A
Regular APR
13.24% - 19.24% Variable 13.24% - 19.24% Variable 15.99%-20.99% Variable 20.99% (Variable)
Recommended Credit
Excellent/Good Excellent/Good Excellent Excellent/Good
Card Details
The Blue Business® Plus Credit Card from American Express American Express Blue Business Cash™ Card Ink Business Preferred℠ Credit Card Capital One Spark Cash for Business

Is The Blue Business® Plus Credit Card from American Express right for you?

The Blue Business® Plus Credit Card from American Express and the American Express Blue Business Cash™ Card are both good options if you want a no annual fee business credit card with a simple rewards structure and a plethora of benefits.

But if you travel on a regular basis, The Blue Business® Plus Credit Card from American Express may be a better choice, since you can get a good value from your points when you redeem them for travel through American Express Travel or transfer them to a loyalty partner.

The American Express Blue Business Cash™ Card may be a better fit if you prefer cashback rewards and a more straightforward approach to redeeming rewards.

To see the rates and fees for The Blue Business® Plus Credit Card from American Express, please click here.
To see the rates and fees for American Express Blue Business Cash™ Card, please click here.

Apply Now
on American Express's secure site
Terms Apply