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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The Blue Business® Plus Credit Card from American Express - 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.

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

Annual Fee: No annual fee

  • 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.
  • 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. Terms and limitations apply.
  • You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee - Rates and Fees
  • Terms Apply.
The Blue Business® Plus Credit Card from American Express - Learn More

The Blue Business® Plus Credit Card from American Express Overview

The Blue Business® Plus Credit Card from American Express is designed for small business owners looking for a flexible and rewarding credit card option. With no annual fee, this card offers the opportunity to earn valuable Membership Rewards® points on everyday business purchases. The card features a robust rewards structure and provides users with the ability to spend beyond their credit limit, making it an appealing choice for businesses of various sizes.

Pros

  • Earn 15,000 Membership Rewards® points after spending $3,000 in eligible purchases within the first 3 months.
  • No annual fee, allowing businesses to save on costs.
  • Earn 2X points on everyday business purchases, such as office supplies and client dinners, on the first $50,000 spent each year.
  • Ability to spend beyond your credit limit with Expanded Buying Power, providing flexibility for business needs.
  • 0.0% intro APR on purchases for the first 12 months, allowing for interest-free financing during this period.

Cons

  • Rewards are capped at 2X points for the first $50,000 in purchases, which may limit earning potential for larger businesses.
  • After the introductory period, the APR may vary based on factors including creditworthiness.
  • Expanded Buying Power does not mean unlimited spending, as it is subject to certain conditions.

Why We Like This Card

- The Blue Business® Plus Credit Card stands out for its straightforward rewards program, particularly appealing to small business owners who frequently make everyday purchases. - The introductory offer of 15,000 Membership Rewards® points provides a significant incentive for new cardholders to maximize their spending within the first few months. - The lack of an annual fee is a major advantage, making it easier for businesses to manage their expenses without incurring additional costs. - The flexibility offered by Expanded Buying Power can be a game-changer for businesses that experience fluctuating expenses, as it allows for greater spending capacity when needed. - Overall, this card balances rewards and flexibility effectively, making it a strong contender for small businesses looking to enhance their purchasing power while earning valuable rewards.

Highlights of Rewards

WHAT YOUR REWARDS GET YOU

  • 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. Terms and limitations apply.

Rates & Fees

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”