Edited by: Stella Shon
& Kellie Jez
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0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
Good to Excellent (670-840)
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
(at Amex's secure site)
As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
(at Amex's secure site)
The Amex Blue Business Plus card is well worth it for small business owners who want a card with a simple point-earning structure that they can put all of their business expenses on throughout the year. Since the card earns 2x points per $1 spent (on up to $50,000 in annual spend), the Amex Blue Business Plus card is one of the best credit cards for monthly bills for business owners.
Of course, the card does more than just earn points. It’s also great for business owners who are looking for employee cards without additional fees and benefits such as purchase protection and extended warranty protection.
Better yet, you receive all of the card’s great earning potential, and all its benefits, without an annual fee.
When you’re running a business, you want your employees to be able to get what they need without having to exchange a single credit card back and forth. With the Amex Blue Business Plus card, that won’t be an issue as you can add as many employee cards as you’d like for no additional fee.
When you purchase an item with your card, you’re covered for up to 90 days towards accidental damage or theft. The coverage is limited up to $1,000 per occurrence, up to $50,000 per calendar year.
If you purchase any item with your card with a warranty of 5 years or less, your Amex Blue Business Plus card extends that coverage by 1 additional year.
You can easily use your card for all of your business expenses to rack up points. But there are many other great ways to earn Membership Rewards points that you can take advantage of.
If you want to get maximum value, utilizing Amex transfer partners is the best way to redeem your Membership Rewards points. This allows you to book fantastic premium cabin flight redemptions for a fraction of what they usually cost.
For those looking for a no-annual-fee business card that earns flexible rewards and has a simple earning structure, the Ink Business Unlimited card is worth considering. The card earns an uncapped 1.5% back for every $1 you spend, making it a much better option for those who run businesses with a lot of annual expenses.
If you’re looking for a more well-rounded option that allows you to maximize categories where your business spends the most, the Ink Business Preferred card might be a perfect fit. The Ink Business Preferred card earns 3x points per $1 on up to $150,000 in combined purchases on travel, shipping, ad purchases made with social media sites or search engines, and internet, cable, and phone services.
If your business spends a large amount of money on one or more of these categories, it could help you earn hundreds of thousands of Ultimate Rewards points each year.
We’ve also compared the Amex Blue Business Plus card to these other popular cards:
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
If you’re approved for the card, your credit limit will vary based on your credit score, your business’ annual revenue, how long you’ve been in business, and the amount of credit that American Express has (or has not) extended to you already.
Yes, the card charges a foreign transaction fee of 2.7% of each transaction after conversion to U.S. dollars. You’ll want to use another card for your purchases when traveling abroad.
When you make a purchase with your card, the purchase is covered for theft or damage for up to 90 days from the date it was purchased. If this happens, you can be covered for up to $1,000 per occurrence and up to $50,000 per calendar year.
When you purchase a product with your Amex Blue Business Plus card, the original warranty can be extended up to 1 additional year. This applies to warranties of 5 years or less on all covered purchases.
While there is no set credit score requirement for the card, generally speaking, those with a credit score of 700 or higher will have a higher chance of being approved.
Other factors that will be considered include your business’s annual revenue, the number of years you’ve been in business, the nature of your business, and other credit factors.
No, there’s no annual fee with the card, and additional cards can be added for employees at no extra charge.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.