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Blue Business℠ Plus Credit Card from American Express review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
13.99% ‐ 21.99% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
13.99% ‐ 21.99% (Variable) (0% for the first 12 months)
Balance Transfer
Balance Transfer
2 points
2 points
Signup Bonus
15000 points (after spending $3,000)
Signup Bonus
15000 points (after spending $3,000)

Informr score
The Blue Business℠ Plus Credit Card from American Express currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 32 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Blue Business℠ Plus Credit Card from American Express is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

The Points Guy
The Points Guy

The Blue Business® Plus Credit Card from American Express is the best no-annual-fee Amex small-business card. It offers 2 Amex Membership Rewards points per dollar on the first $50,000 in purchases each calendar year (then 1 point per dollar). Membership Rewards points are exceptionally valuable, be...

- Benji Stawski, The Points Guy
Fit Small Business
Fit Small Business

The American Express Blue Business® Plus credit card is best for business owners who need to spend beyond their credit limit. This low-interest, points-based rewards credit card is also an excellent option for businesses with annual expenses that don’t exceed $50,000.

- Benilyn Formoso - Suralta, Fit Small Business

It could be a good fit if you spend at least $50,000 annually for your business and you want to earn points instead of cash back or miles. You might also like this card if you want to earn points with no annual fee.

- Rebecca Lake, MyBankTracker

Ideal for smaller businesses and frequent fliers, the Blue Business Plus card stands out from the competition by offering a solid 2-point bonus on every purchase (up to $50,000 in purchases per year, then 1 point per dollar), a flexible credit limit and a transfer program that lets you pool your rew...

- Kelly Dilworth,
The Balance
The Balance

The unassuming Blue Business Plus card outclasses many of its rivals with a lucrative, flat-rate rewards program and an unusual flexible credit limit. Unlike competitors that deliver big bonuses in the first year then peter out, the Blue Business Plus card consistently offers good value, year after...

- Kelly Dilworth, The Balance


Interest Rates
Regular APR Interest Rate 13.99% ‐ 21.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate

Not available

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee 2.7%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus 15000 points after spending $3,000

On purchases within the first 3 months

All Purchases 2 points per $1 spent (on first $50000 spent)

1 point per $1 spent thereafter

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits
  • Baggage Insurance Plan
  • Global Assist
  • Spend Manager
  • Account Alerts
  • Dispute Resolution
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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