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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 has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Aug 13, 2018. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Who the card is best for

The Blue Business® Plus Credit Card from American Express is a great option for small business owners who want a $0 annual fee card with a strong rewards program and card benefits. Businesses that spend around $4,000 a month will see the most value in the rewards program.

Additionally, there is an intro period for businesses that want to carry a balance to finance new purchases. You can benefit from 0% for 12 Months on purchases (after, 14.99% - 20.99% Variable APR). This can come in handy if you plan on purchasing computers, printers or other big ticket items.

If business travel brings you outside the U.S. it may not be beneficial to use this card, because there is a foreign transaction fee at 2.7% of each transaction after conversion to US dollars. American Express offers other cards without foreign transaction fees like The Plum Card® from American Express.

  • 0% for 12 Months, then 14.99% - 20.99% Variable

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

  • Enjoy the flexibility to put more purchases on the Card

Highlights
  • Get rewarded for business as usual. 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% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.99%, 17.99% or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
  • See Rates & Fees

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

More Info

Where this card stands out in its category

This card has a laundry list of perks that can provide great value for your business and make day-to-day processes easier, such as the abilities to connect to QuickBooks® and add an Account Manager to handle tasks like reviewing statements. American Express is known for providing exceptional benefits, and this holds true with the various offers this card has. Compared to other cards, The Blue Business® Plus Credit Card from American Express goes above and beyond with perks for nearly all types of businesses.

This card also has the longest intro period for any business card in our database at 0% for 12 Months for purchases and 0% for 12 Months for balance transfers; 14.99% - 20.99% Variable APR afterwards. This provides your business over a year to pay off any debt. Keep in mind there is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

Where this card falls short in its category

There is a foreign transaction fee of 2.7% of each transaction after conversion to US dollars. Therefore, it’s better to use a card without a foreign transaction fee when traveling abroad, like The Plum Card® from American Express, so you don’t incur fees. For example, using this card abroad for $500 worth of purchases will result in a $13.50 fee.

Additional card benefits

The Blue Business® Plus Credit Card from American Express offers numerous additional card benefits:

  • Account Manager: You can have an 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.*
  • Connect to QuickBooks®: Link your card account to QuickBooks® for easy labeling and transferring of transactions.
  • 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.*
  • Baggage insurance plan: You may be covered for the cost of eligible lost, damaged or stolen baggage when you pay for your ticket with your card. For full Terms and Conditions, see americanexpress.com/BIPterms.*
  • Travel accident insurance: Receive coverage up to $100,000 for accidental death and dismemberment for select travel fares including plane, train, ship or bus. For full terms and conditions, see americanexpress.com/TAIterms.*
  • Global Assist® hotline: If you travel over 100 miles from your business location, you qualify for 24/7 access to referrals for medical, legal and financial services. You’re responsible for the costs charged by third-party service providers.*
  • Roadside assist hotline: Available 24/7 to answer any questions and request service for flat tires, dead batteries, tows or more. You are responsible for the cost of services charged by third-party service providers. For full terms and conditions, call 855-431-1156 or see americanexpress.com/RAterms.*
  • Car rental loss and damage insurance: Pay for a car rental with your card and you may be covered for theft or damage. For full terms and conditions, see americanexpress.com/CRLDIterms.*
  • OPEN Forum®: Participate in a forum to improve your business with tools and advice from industry experts.*
  • OPEN Savings®: Receive either a 5% discount or two additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. For full terms and conditions, go to opensavings.com.*
  • Entertainment Access®: In select cities, you can access exclusive presales for events like concerts and Broadway shows.*

*Terms Apply.

How to use it most effectively

This card is more beneficial for small business owners who spend in the $4,000 range each month since the rewards rate is 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. Make sure to use The Blue Business® Plus Credit Card from American Express for all of your business spending to take advantage of the great rewards. If your business plans on making a large purchase or purchases, use the purchase intro period at 0% for 12 Months; 14.99% - 20.99% Variable APR after. This allows you to save money compared to other cards that do not have an interest free period.

Rewards breakdown

The Blue Business® Plus Credit Card from American Express offers 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. This is a highly competitive rate for small businesses and great if yours spends around $4,000 a month. Membership Rewards® points can be redeemed in various ways including gift cards, transfers to select frequent travel programs, points for charges and shopping with points at Amazon.com, to name a few. See membershiprewards.com/terms for the Membership Rewards program terms and conditions.

Compare it with The Plum Card® from American Express

The Blue Business® Plus Credit Card from American Express and The Plum Card® from American Express both offer the long list of additional card benefits that American Express is known for, but they differ in several key ways. First, The Plum Card® from American Express has a $0 introductory annual fee your first year, then $250. Meanwhile, The Blue Business® Plus Credit Card from American Express has a $0 annual fee. Depending on your business’ finances, you may prefer one card over the other.

  • Receive 1.5% discount for paying early*

  • Take up to 60 days to pay with no interest*

  • No foreign transaction fees & no fee for extra employee cards*

Highlights
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
  • See Rates & Fees

See additional details for The Plum Card® from American Express

More Info

Looking at the rewards, The Blue Business® Plus Credit Card from American Express has a program where you can 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. The Plum Card® from American Express doesn’t have a ‘rewards’ program — it allows you to get a 1.5% discount when you pay early, with no cap on what you can earn back. If you want to earn points for your business spending, The Blue Business® Plus Credit Card from American Express is the better option.

In regards to foreign transaction fees, The Plum Card® from American Express has none and The Blue Business® Plus Credit Card from American Express has 2.7% of each transaction after conversion to US dollars. A foreign transaction fee isn’t ideal when traveling abroad, so The Plum Card® from American Express is better if your business requires frequent travel outside the U.S. Here’s a breakdown of the key features of each card:

The Blue Business® Plus Credit Card from American Express The Plum Card® from American Express
Annual Fee $0 $0 introductory annual fee your first year, then $250.
Purchase Intro Rate 0% for 12 Months N/A
Balance Transfer Intro Rate 0% for 12 Months N/A
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater. N/A
Regular Purchase APR 14.99% - 20.99% Variable N/A
Rewards 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. Get a 1.5% discount when you pay early, with no cap on what you can earn back.
Foreign Transaction Fee 2.7% of each transaction after conversion to US dollars. None

Bottom line

Small businesses that are looking for a $0 annual fee card with a competive rewards program should consider The Blue Business® Plus Credit Card from American Express. In addition to great rewards, there are standout perks that increase the value of this card such as connecting to QuickBooks® and the OPEN Forum®.

View our top business credit cards.


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