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The Blue Business® Plus Credit Card from American Express

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

The Blue Business® Plus Credit Card from American Express

The Blue Business Plus Credit Card from American Express is an excellent credit card for small business owners, helping you maximize your everyday business purchases with no credit limit or annual fee to worry about.

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

The Blue Business® Plus Credit Card from American Express

The Blue Business Plus Credit Card from American Express is an excellent credit card for small business owners, helping you maximize your everyday business purchases with no credit limit or annual fee to worry about.

BONUS OFFER

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

💵 Your Projected Rewards Value
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Key facts

The Blue Business Plus takes the cake for affordability and value among all business credit cards. With 2x bonus points on all eligible purchases up to a $50,000 annual limit (1x on all eligible purchases thereafter), you can earn at least 100,000 points per year on your business spending. You can then redeem your Membership Rewards points for travel, cash back, and more.

Annual Fee:

$0 (Rates and fees)

AVG Point Value:

$0.017 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

APR on Purchases:

0 % Intro APR on purchases for 12 months, 18.49%-26.49% thereafter

Foreign Transaction Fee:

2.7% of each transaction after conversion to US dollars.

With the card’s expanded buying power, this important business credit card feature allows you to have the utmost flexibility to spend above your credit limit. Coupled with financial resources for small business owners, the Amex Blue Business Plus is a must-have that works for all types of ventures.

Get a 40% transfer bonus when you transfer American Express Membership Rewards to Hilton.

** For personal Amex Platinum cardholders only **

Platinum Card® Members get 40% more Hilton Honors™ Points when you transfer Membership Rewards® points through from May 9 to May 31. Offer is only available to current Platinum Card Members on a Platinum Account opened on or before April 20, 2024. Terms apply.

Please note: This transfer bonus is part of the American Express 40th Birthday celebration for The Platinum Card® from American Express. Only personal U.S. Platinum Card® cardholders are eligible. It seems that those holding personal Platinum cards like the Schwab Platinum Card are elso eligible – however, many people that are eligible are not seeing the offer in their account so make sure you see the 40% bonus before transfering!

While it’s always hard to recommend speculative transfers, Hilton points have gotten more attractive since announcing that SLH hotels will be fully integrated into Hilton Honors (See Dave’s recent musing about his thinking on how Hilton points may be becoming more valuable). And as long as you have at least the lowest tier Hilton status, the 5th night is free on any award and resort fees are also waived on award stays.

We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are average, with a 5th night free award you can definitely do well transfering 1,000 Amex points for 2,800 Hilton Honors points.

Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transfering.

 

Offer expires on May 31, 2024
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Get a 20% transfer bonus when you transfer American Express Membership Rewards to Aeromexico Rewards.

Here’s an interesting one. Aeromexico Rewards points are worth *roughly* 0.75 cents each but with a wide range of ways to redeem.

Normally, you get 1.6 Aeromexico points for 1 Membership Rewards points so that bumps to 1,920 Aeromexico for 1,000 Amex under this ptomotion – so almost 2.1.

Aeromexico uses a range of redemption options including standard fixed awards and flexible awards – and you’ll see what’s available by searching and that does not require an account.

The last Aeromexico transfer bonus was in 2019, so these are pretty rare – though 20% isn’t a total game changer.

You can search here (use Google Translate in your browser if available as it’s in Spanish) to check possible redemptions.

Importantly, note the Aeromexico Rewards cancellation policy which is that, well, you can’t cancel it. You can change it, though.

Award Ticket may not be cancelled or reimbursed. If the Member decides not to use the Award Ticket and does not have a flight date scheduled, their Award Ticket will be open for a future flight on the same route, season and cabin.

The Award Ticket will be open for 1 (one) year after the original issuing date, so the trip must be completed within said validity period. Route or cabin changes are not applicable to new Award Tickets. However, there might be a tax and Premier Point difference between the original Award Ticket and the new one. Said difference must be covered when the new Award Ticket is issued. The issuing of the new Award Ticket is subject to seat availability on the desired flight.

Offer expires on May 31, 2024
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Reward multipliers

The Blue Business Plus provides 2x Membership Rewards points on all eligible business purchases up to the first $50,000 spent per year – and 1 point per dollar spent after that.

blue-business-plus-credit-card

Earns bonus points for spend in the following bonus categories:

2x
Airfare

Estimated Rewards Value: 3.4%

2x
Transit

Estimated Rewards Value: 3.4%

2x
Car Rentals

Estimated Rewards Value: 3.4%

2x
Cable / Internet / VOIP Phone

Estimated Rewards Value: 3.4%

2x
Costco

Estimated Rewards Value: 3.4%

2x
Gas Stations

Estimated Rewards Value: 3.4%

2x
Cellular Phone Service

Estimated Rewards Value: 3.4%

2x
Dining Out / Food Delivery

Estimated Rewards Value: 3.4%

2x
Hotels

Estimated Rewards Value: 3.4%

2x
Lyft

Estimated Rewards Value: 3.4%

2x
Office Supplies

Estimated Rewards Value: 3.4%

2x
Shipping

Estimated Rewards Value: 3.4%

2x
Single Charges over $5,000

Estimated Rewards Value: 3.4%

2x
Groceries

Estimated Rewards Value: 3.4%

2x
Cruises

Estimated Rewards Value: 3.4%

2x
Drugstores

Estimated Rewards Value: 3.4%

2x
Streaming Services

Estimated Rewards Value: 3.4%

2x
Gym Memberships

Estimated Rewards Value: 3.4%

2x
Advertising (Online / TV / Radio)

Estimated Rewards Value: 3.4%

2x
Entertainment (Concerts / Shows / Movies)

Estimated Rewards Value: 3.4%

2x
Advertising on Search Engines and Social Media

Estimated Rewards Value: 3.4%

Key features

1

Unique Card Benefits

Expanded Buying Power

If you’re in a pinch, you can purchase items on the card that may be above your credit limit depending on your creditworthiness.

Business Expense Management Tools

Stay organized and top of your business expenses thanks to the card’s ample financial resources. QuickBooks allows you to automatically designate all business transactions charged to your statement, making it easier to track your spending over time. You’ll also have complimentary access to Vendor Pay by Bill.com for the primary cardholder, where you can seamlessly pay your invoices.

business woman, business man, business

2

0% Intro APR on Purchases

0 % Intro APR on purchases for 12 months, 18.49%-26.49% thereafter

(Rates and Fees)

3

Secondary Car Rental CDW Waiver

Secondary coverage will kick in after primary rental car insurance to protect you against damage or theft to an eligible rental car, which could save you hundreds of dollars. As always you must reserve and pay for your entire car rental with the card to be eligible and it does not provide any other insurance coverage, like liability.

Terms:

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

·       Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

·       Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

4

Purchase Protection

Purchase Protection can help protect eligible card purchases for up to 90 days if it’s stolen or accidentally damaged. Coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Terms:

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

·       Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

·       Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

5

Extended Warranty

This benefit extends an Original Manufacturer’s Warranty (of 5 years of less) by up to one additional year.

Terms:

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

·       Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

·       Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company.

6

Travel and Emergency Assistance Services

When you travel more than 100 miles from home, you can contact 24/7 travel and emergency assistance services through the Global Assist® Hotline. Cardholders are responsible for any services rendered.

Terms:

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

·       Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

·       Please visit americanexpress.com/benefitsguide for more details.

Card Members are responsible for the costs charged by third-party service providers.

7

No Fees for Authorized Users

If you’d like to get additional employee cards, you can do so with no cost. As the primary cardholder, you can manage the spending and credit limit on these employee cards — all while earning Membership Rewards points that’s pooled to your rewards balance.
people, business, meeting

8

Free Access to Credit Score

Available when you opt-in to their free “MyCredit Guide.” Find this on the Amex website under My Account >> Free Credit Tools and Support.

Earn more rewards by combining credit cards

The Blue Business® Plus Credit Card from American Express
? Best Combo
See how much more you'll earn in rewards when you combine these two cards.
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Pros & cons

  • No annual fee, making the Blue Business Plus a great starter card for new or small business owners
  • Earn 2X Membership Rewards points on purchases (capped at the first $50,000 in a year)
  • Business expense management tools and expanded buying power ability
  • Xhe 2x earning rate is capped at $50,000 per year
  • Charges a foreign transaction fee

The Blue Business® Plus Credit Card from American Express

Learn How to Apply Rates and fees

Our review

With the Blue Business Plus, small businesses can maximize their everyday business purchases, whether it’s shopping for office supplies to paying for client dinners to restocking inventory. There’s no annual fee and a nice welcome bonus to boot.

You can earn valuable Membership Rewards points at a terrific rewards rate: 2x bonus points per dollar spent on all eligible purchases, up to the first $50,000 spent per year; 1X thereafter. This makes the Blue Business Plus a great fit for businesses who don’t want to keep up with confusing bonus categories and spend less than this $50,000 limit every year. Above all, American Express Membership Rewards points are acclaimed for flexibility, as you can redeem them for travel, gift cards, charges on your statement credits, and more.

While you’ll be assigned a credit limit upon account opening, you’ll have access to Amex’s unique expanded buying power tool. This gives you the flexibility to pay for expenses potentially above your credit limit, which is important for business owners who likely have thousands of dollars of expenses every year. You’ll also get access to a 0% introductory APR rate on purchases in the first 12 months of account opening.

There are also important business expense management tools that can help you keep track of your business’s annual revenue and expenditures. With complimentary access to QuickBooks and Vendor Pay by Bill.com, the Amex Blue Business Plus is a fantastic starter card whether you own a new business or have a side hustle.

Rates and Fees for the the Blue Business® Plus Credit Card

Frequently asked questions

1

Does the Amex Blue Business Plus Card have an annual fee?

No, the Blue Business Cash does not have an annual fee.

2

Is it hard to get the Amex Blue Business Plus Card?

For your best chances at approval, you should have a strong payment history with a good credit score of at least 670.

3

Is it worth getting the Amex Blue Business Plus Card?

The Blue Business Plus Card is an excellent choice for small business owners who don’t want to pay an annual fee.

4

How do I earn points with the Amex Blue Business Plus Card?

You’ll earn 2x Membership Rewards points on virtually all everyday business purchases, up to the annual maximum of $50,000. After this limit, you’ll still earn 1x points.

5

Is there a better credit card than the Amex Blue Business Plus Card?

If you’re willing to pay an annual fee, there are other premium Amex cards worth considering, such as the American Express Business Gold® Card and The Business Platinum Card® from American Express Card.

6

Does the Amex Blue Business Plus Card charge a foreign transaction fee?

The Blue Business Plus charges a 2.7% foreign transaction fee of the amount of each transaction converted into U.S. dollars.

7

Does the Amex Blue Business Plus Card have car rental coverage?

Yes, the Amex Blue Business Plus Card offers secondary car rental coverage when renting cars for eligible business reasons.

8

Does the Amex Blue Business Plus Card offer extended warranty?

The Amex Blue Business Plus Card offers extended warranty on card purchases that come with a U.S. manufacturer’s warranty of five years or less. You can receive up to one year of additional coverage with the extended warranty benefit.

9

Does the Amex Blue Business Plus Card offer purchase protection?

The American Express Blue Business Plus offers purchase protection for eligible card purchases within 90 days of purchase to reimburse you for stolen or damaged items.

10

Does the Amex Blue Business Plus Card offer trip protections?

While the Amex Blue Business Plus does not offer trip protections like delayed baggage insurance or trip cancellation or interruption coverage, you can access the Global Assist Hotline anytime you travel 100+ miles away from home.

11

What credit score do I need to get a Amex Blue Business Plus Card?

While Amex does not disclose a specific credit score, you’ll want to hold a good credit record with a score of 670+.

12

What can I do with the points earned for spending on the Amex Blue Business Plus Card?

With your Membership Rewards points balance, you can transfer your rewards to Amex’s 20 airline and hotel partners like Delta Air Lines or Hilton Honors. You can also redeem your Amex points to get gift cards, cover charges on your statement

13

Does the Amex Blue Business Plus Card have Cell Phone Protection?

The Blue Business Plus does not offer cell phone protection.
For rates and fees of the Blue Business Plus card, please click here.

Eligibility and Benefit level varies by card. Terms, Conditions and Limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.