The Blue Business® Plus Credit Card from American Express Review

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Our Detailed Review of This Card

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The Blue Business® Plus Credit Card from American Express (a NextAdvisor advertiser) is a good choice for business owners who want to earn points on all of their purchases AND enjoy a long 0% intro APR on purchases and balance transfers. For The Blue Business® Plus Credit Card from American Express' full details on the rates and fees, please visit the terms page.

In terms of ongoing rewards, you’ll earn 2X points on all purchases made up to $50,000 annually, then 1X point on all additional purchases. The Blue Business® Plus Credit Card from American Express also has no annual fee and free employee cards. Additionally, American Express allows you to designate an account manager who can access and manage your business card, set account alerts to monitor employee card spending and connect your card statement to Quickbooks®.

American Express understands that running a business comes with unexpected purchases. As such, The Blue Business® Plus Credit Card from American Express gives members the opportunity to spend above their credit limit without paying an overlimit fee. On top of that, interest will not accrue on the portion of the account balance that’s above the credit limit amount as long as the cardholder pays the entire minimum payment due by the closing date of the billing period in which it’s due. It should also be noted that the amount cardholders can spend above their credit limit is not unlimited, as it is determined by their use of the card, payment history, credit record and other factors.

As if that isn’t enough, the card comes with a 0% intro APR for 12 months on purchases and balance transfers. This is a great way to save money on interest charges while making the purchases your business needs and transferring your balances over from other high-interest cards. Just note there is a 3% balance transfer fee ($5 minimum), which is pretty standard.

Overall, The Blue Business® Plus Credit Card from American Express' earning potential combined with the option to pay your new purchases and balance transfers over time makes it a well-rounded business credit card.

Redeem Rewards

  • Redeem points for travel, entertainment, dining, or merchandise.
  • Minimum redemption of 5,000 points.

Fees and APR

  • Annual Fee: No annual fee.
  • Purchase APR: 0% on purchases for 12 months, then 14.74% - 20.74% Variable.
  • Balance Transfer APR: 0% on balance transfers for 12 months, then 14.74% - 20.74% Variable.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Penalty APR: 29.99% Variable.
  • Returned Payment Fee: Up to $39.
  • For The Blue Business® Plus Credit Card from American Express' full details on the rates and fees, please visit the terms page.
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