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The Blue Business Plus Credit Card from American Express Review

The Blue Business Plus Credit Card from American Express Review

*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.

This article was last updated Aug 24, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

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.

  • 0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable

  • Earn 2X points on everyday business purchases up to the annual cap

  • Enjoy the flexibility to put more purchases on the Card

Highlights
  • Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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 us, 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
  • See Rates & Fees

See additional details for The Blue Business® Plus Credit Card from American Express

More Info

The Blue Business® Plus Credit Card from American Express pros

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 purchase APR. 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 charges no annual fee. Additionally, you will not be charged an annual fee for employee cards.

Additional The Blue Business® Plus Credit Card from American Express benefits

  • Up to $300 in statement credits. Earn up to $100 back in the form of statement credits after spending at Dell, DocuSign or FedEx in the first three months of card membership.
  • Expanded Buying Power. This feature lets you buy above your credit limit — with no overlimit fees — and earn cash back on those purchases. Just know, at the end of the billing cycle, the portion above your credit limit will be due in full.
  • Account Manager. You can have a designated employee or business partner act as an Account Manager to handle various tasks like reviewing statements, making payments and more.
  • American Express® Business App. Add receipts and notes to transactions via mobile or desktop to track spending and manage your card more easily.
  • Relationship Care® Service. Call the number on the back of your card to speak to specially trained customer care professionals who have the knowledge to help your small business with questions that may arise.
  • Car rental loss and damage insurance. Receive coverage against theft or damage to a rental vehicle in a covered territory.
  • Extended warranty. Receive protection for an additional year beyond the manufacturer’s warranty.
  • Purchase protection. Get coverage for 90 days after purchase date if an item is stolen or accidentally damaged, up to $1,000 per occurrence and up to $50,000 per calendar year.
  • Terms Apply

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

Need a new credit card for your growing small business? Here’s how to decide

The Blue Business® Plus Credit Card from American Express cons

Cap on rewards earning. You are limited to earning the higher rewards rate on the first $50,000 each year. After that, you’ll only earn 1 point per dollar on every purchase you make.

That said, if you max out the spend cap, you can earn 100,000 points in a year. If you redeem those points for flights or upgrades through American Express Travel, they’ll be worth $1,000 in travel.

No welcome bonus. Unlike many small business credit cards, The Blue Business® Plus Credit Card from American Express does not offer a welcome bonus when you open a new card account and spend a certain amount in a specified time period.

Foreign transaction fees. If you use The Blue Business® Plus Credit Card from American Express to make purchases outside of the U.S., you will be subject to foreign transaction fees of 2.7% of each transaction after conversion to US dollars.

Compare it with the American Express Blue Business Cash™ Card

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

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%

  • 13.24% - 19.24% Variable

Highlights
  • Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership.
  • 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 us 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
  • See Rates & Fees

See additional details for American Express Blue Business Cash™ Card

More Info

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.

See how the cards stack up side by side below.

The Blue Business® Plus Credit Card from American Express vs. American Express Blue Business Cash™ Card

 The Blue Business® Plus Credit Card from American ExpressAmerican Express Blue Business Cash™ Card
Annual feeNo annual feeNo annual fee
Welcome bonusEarn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership. Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership.
Rewards rateEarn 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%
Purchase intro APR0% on purchases for 12 months from date of account opening 0% on purchases for 12 months from date of account opening
Regular purchase APR13.24% - 19.24% variable APR13.24% - 19.24% variable APR
Foreign transaction fees2.7% of each transaction after conversion to US dollars.2.7% of each transaction after conversion to US dollars.
Rates & feesTo see rates & fees for The Blue Business® Plus Credit Card from American Express, please click here.To see rates & fees for American Express Blue Business Cash™ Card, please click here.

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.

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.

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.

American Express Blue Business Cash™ Card review.

Which credit card is best for me?

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.

How to choose a business credit card


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