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The Blue for Business® Credit Card from American Express OPEN

The Blue for Business® Credit Card from American Express OPEN

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Your Rating:

3.8/5.0 from 16 Offer Ratings
Over the Past 60 Days!

(16) Over the Past 60 Days!

  • Regular Purchase APR 11.99% - 19.99% Variable
  • Intro Purchase APR 0% for 9 Months
  • Intro BT APR N/A
  • Annual Fees None
  • Credit Needed


  • Card Brand American Express

Card Details


  • Click "APPLY NOW" to apply online
  • Earn a 30% Membership Rewards® points bonus each year - all with no annual Membership fee
  • Earn 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership
  • No annual fee for each additional Employee Blue for Business® Credit Card
  • Get a low introductory APR on purchases for 9 months
  • Points you can reinvest in your business: choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms Apply
  • See Rates & Fees

Card Fees

Late Payment Fees Up to $38

Foreign Transaction Fee 2.7% of each transaction after conversion to US dollars

Balance Transfer Fee N/A

Cash Advance Fee $5 or 3%, whichever is greater

Returned Payment Fee $38

Penalty APR 29.99%

Minimum Interest Charge $0.00

Ongoing Information

Rewards Cap No Cap

Rewards Rate 1x point on all eligible purchases, 2x points for travel booked on the American Express Travel website*

Annual Fee None

Purchase Grace Period 25 Days

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the Editorial Team

The American Express Blue for Business Credit Card offers some of the lowest maintenance fees on the market. There is no annual fee for this card, nor are there annual fees on any employee cards you add to the account. This card offers flexible payment programs, so you can take your time paying off your balance or you can treat this like a charge card. You do not have to worry about paying interest on purchases for the first 9 months and then your variable APR will range from 11.99% to 19.99%.

New cardholders can earn 10,000 Membership Rewards points after making their first purchase on Card within first 3 months. For ongoing rewards you will enjoy 1x point on all eligible purchases, plus 2x points for travel booked on the American Express Travel website. You even earn a 30% points bonus each year. 

The points don't expire and you can earn bonus points each year you have the card. Cardholders will receive a 30% reward bonus on eligible purchases charged to the card during an anniversary year. This is a great business credit card for small and large business owners alike.

Expert Reviews of the The Blue for Business® Credit Card from American Express OPEN

  • 4.0

    Regular APR

  • 2.0

    Intro APR

  • 4.0


  • 5.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

You can still get bonus points for the purchases you make and you don't have to worry about an annual fee. If you're looking for an introductory credit card to help you pay for business expenses, this could be a great option for you.

The Good

Enjoy the benefits of 0% introductory APR for 9 months and no annual fee. You can add other card holders to the account for free and you can get great spending bonuses from any one of them. There is no limit to the amount of points you can earn.

The Not so Good

The sign up bonus is a little small compared to other business credit cards, but that's understandable because you pay no annual fee.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.

Consumer Reviews

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16 Total Ratings

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