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- The Blue Business® Plus Credit Card from American Express
Great no-annual-fee card for earning rewards on business spending
- up to 2X Membership Rewards® pointsRewards Rate
- 18.49% – 26.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Crafted with small businesses in mind, The Blue Business® Plus Credit Card from American Express is an appealing choice for those looking for a cost-effective and rewarding credit option. This card is best suited for small to mid-sized businesses that have significant everyday operating expenses. Businesses that can maximize the rewards rate up to the annual limit would gain the most benefit. However, it may not be the best fit for businesses with high travel expenses or high-spending in specific categories that they could earn more points for with another card.
The Blue Business® Plus Credit Card from American Express Overview
The Blue Business® Plus Credit Card from American Express’s rewards program is fairly straightforward and its suite of account management features is designed to make it easier to manage multiple cards on the account. Here are some more details about this no-annual-fee business card:
- Rewards rate: Earn 2 Membership Rewards® points per dollar on everyday business purchases (up to $50,000 in purchases each calendar year, then 1 point per dollar)
- Welcome offer: 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.
- Regular APR: 18.49% – 26.49% (variable)
- Annual fee: $0
- Intro APR offer: 0% intro APR offer on purchases for 12 months, then a variable rate of 18.49% – 26.49%
Important Card Details
Learn more about the features and fees associated with The Blue Business® Plus Credit Card from American Express to help you determine if it’s right for your business's budget and needs.
Straightforward Rewards
The flat-rate rewards of 2X points on everyday purchases for your business (up to $50,000 in purchases each calendar year, then 1X points) offers appealing simplicity for business owners. You have a variety of redemption options, too, including a straightforward statement credit, merchandise or gift cards through American Express Travel portal or transferring to one of American Express's many travel partners.
Welcome Bonus
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.
Foreign Transaction Fees
This card charges foreign transaction fees at a rate of 2.7%. That may not sound like a lot, but it can significantly impact how costly it is to travel and do business overseas.
Regular APR
The Blue Business® Plus Credit Card from American Express has a variable APR of 18.49% – 26.49%. This is on the higher end for a business card, so it's best to avoid carrying a balance when possible.
No Annual Fee
No annual fee means you won't have to pay just to have the card. A nice feature to keep costs low when managing your business's budget.
High Customer Satisfaction
American Express has a strong record for customer satisfaction, frequently topping J.D. Power's Credit Card Satisfaction Study.
How The Blue Business® Plus Credit Card from American Express Compares To Other Cards
When comparing this card to others, it's important to weigh the benefits of its no annual fee and solid rewards on everyday business purchases against potentially higher rewards on other cards for specific categories like travel.
How This Card Compares
The Blue Business® Plus Credit Card from American Express
- Rewards rate: Earn 2 Membership Rewards® points per dollar on everyday business purchases (up to $50,000 in purchases each calendar year, then 1 point per dollar)
- Welcome offer: 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.
- Regular APR: 18.49% – 26.49% (variable)
- Annual fee: $0
- Intro APR offer: 0% intro APR offer on purchases for 12 months, then a variable rate of 18.49% – 26.49%
- Best for: Flat cash back on everyday business spending
Capital One Spark Cash Plus
- Rewards rate: 5% cash back on hotels and rental cars through Capital One Travel, 2% cash back on all other purchases
- Welcome offer: One-time cash bonus of $1,200 after spending $30,000 on purchases in the first 3 months
- Regular APR: N/A (charge card)
- Annual fee: $150
- Intro APR offer: None
- Best for: flat cash back and bonus travel category
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