The Blue Business Plus Credit Card from American Express

The Blue Business Plus Credit Card from American Express
Dan's Rating: 2.8 / 5   
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Card Features

Fraud Protection
Lost Luggage Coverage
Travel Accident Insurance
Car Rental Coverage
Apple Pay
Android Pay
Event Ticket Pre-Sale Access

The Welcome Offer

  • This card does not have a welcome offer 🙁

Get These Perks

Pros & Cons

  No annual fee
  0% intro APR for 15 months
  Simple points structure without different reward categories to track
  Expanded Buying Power
  Amex Business Card Benefits

  No sign-up bonus

  After spending $50,000, rewards are reduced from 2X to 1X

  Foreign transaction fees apply

What You'll PayMore fee details 

Annual Fee
No annual fee
Foreign Transaction Fees

Recommended Credit


Written by Amy 2 years ago

Best For...
This flexible, no-annual fee business card offers a simple rewards structure without any bonus reward categories to keep track and unlike most business charge cards, the balance on this credit card doesn’t have to be paid every month.

Review of the The Blue Business Plus Credit Card from American Express

Because The Blue Business Plus Credit Card from American Express is a credit card and not a charge card, it doesn't have to be paid off every month, which offers small businesses the flexibility to finance larger purchases over time.  In the process, the cardholder will earn 2X Membership Rewards® points on all purchases (up to $50,000), not just purchases made in select categories.  That means you won't have to track your spending categories or choose between brands.

With its Expanding Buying Power, you can spend a certain amount over your business credit limit every billing period.  Additionally, because the card offers a 0% introductory APR, you could use it to finance a large business purchase and pay off the balance within 15 months, before the regular APR kicks in.

Pro Tip:

Unlike some “business” cards, the activity on this card is reported to the Small Business Finance Exchange, the most commonly used business credit reporting bureau. Therefore, using this card responsibly will help your business to build its credit.

Cardholders also get all the standard benefits that come with every Amex Business Card, including:

  • Spend Manager
  • Employee Cards
  • Account Manager
  • Account Alerts
  • Year-End Summary
  • Online Statements 
  • Dispute Resolution

The Bottom Line
This is a good business starter card for small business owners with everyday business expenses that don’t fit into neat categories, don’t spend more than $50,000 a year, and don’t travel frequently enough to justify a travel-based rewards card.

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