The Blue Business℠ Plus Credit Card from American Express The Blue Business℠ Plus Credit Card from American Express
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The Blue Business℠ Plus Credit Card from American Express Review

Apply for The Blue Business℠ Plus Credit Card from American Express
Rating:
Bottom Line:
Combines rewards with a 0% intro APR on purchases and balance transfers for 15 months. Terms apply.

Full Review:
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.

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 15 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.

Rewards Highlights From American Express
  • Get rewarded for business as usual. Earn 2X 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*.
  • More buying power for your business* means more opportunities to earn points. That’s everyday business with the new 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 and balance transfers for 15 months, then a variable rate, currently 13.24%, 17.24% or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply

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

Fees and APR
  • Annual Fee: $0
  • Purchase APR: 0% on purchases for 15 months, then 13.24% - 21.24% Variable.
  • Balance Transfer APR: 0% on balance transfers for 15 months, then 13.24% - 21.24% 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 $38


Apply for The Blue Business℠ Plus Credit Card from American Express

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Card Details

Features:2X points everyday business purchases (i.e., office supplies or client dinners), 1X point spent on eligible purchases. Terms apply.
Purchase APR:0% on purchases for 15 months, then 13.24% - 21.24% Variable
Balance Transfer APR:0% on balance transfers for 15 months, then 13.24% - 21.24% Variable
Annual Fee:$0
Credit Needed:Good, Excellent

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

*See credit card application page for additional details.

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