- 0% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR
- Foreign fee
Amex Blue Business Plus Review Summary
The Blue Business® Plus Credit Card from American Express is a good credit card for business owners who want both a 0% introductory APR and rewards from the same card. The American Express Blue Business Plus also has a $0 annual fee, so it’s worth considering if you have the good or excellent credit needed for approval.
Below, you can learn more about what American Express Blue Business Plus does and does not bring to the table so you can determine whether it will be a good option for your company’s needs.
- 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 Membership Rewards® 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 American Express, and other factors.
- Terms Apply
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business® Plus Credit Card from American Express
Amex Blue Business Plus Highlights
0% intro APR for 12 months
The American Express Blue Business Plus Card stands out among business credit cards because of its introductory APR offer: 0% for 12 months. Few business credit cards offer 0% intro APRs, and even fewer offer no interest for as long as 12 months.
When you also consider cards intended for personal use, however, this offer isn’t as impressive. The average 0% APR period among all new credit card offers lasts for 12 months, and the best 0% APR credit cards give up to 20 months without interest.
15,000-point initial bonus
The Amex Blue Business Plus initial bonus offer is 15,000 points in return for spending $3,000 in the first 3 months after opening an account. That’s worth over $100 when redeemed for travel.
This bonus would be nice to earn, but it’s nowhere close to the best initial rewards bonuses on the market. The best business credit cards offer $500 to $1,000+ in initial bonuses, for example. Even the average rewards card is better, offering 31,950 points.
Ongoing rewards of 1 - 2 points per $1
Amex Blue Business Plus rewards cardholders with 2 points per $1 spent on all purchases, up to $50,000 spent each year. Purchases in excess of that will earn you 1 point per $1 until your next account anniversary.
For added context, American Express points are worth an average of 0.67 cents per point. Plus, the average credit card with points gives 1.22 points per $1 spent as its base rewards rate.
As a result, this Amex business card’s rewards definitely are best for light-spenders.
$0 annual fee
Not having to worry about an annual fee might make applying for Amex Blue Business Plus an easier decision. It does save cardholders about $22 per year compared to the average credit card offer, after all.
Then again, there are more than 100 business credit cards with no annual fee. Plus, credit cards without annual fees aren’t automatically better than the alternative. It all depends on what you get in return for any fixed cost.
Amex Blue Business Plus Lowlights
Unappealing regular APR
Although Amex Blue Business Plus offers a 0% introductory APR, carrying a balance from month to month with this card after the intro rate expires will get very expensive very quickly. The card’s regular APR is 13.99% to 21.99% (V), depending on your creditworthiness when you apply. That means the rate could be well above average for a business credit card, and even the low end isn’t worth paying.
If you want to minimize the cost of financing with this card, use a credit card payoff calculator.
Limited cardholder protections
Because business credit cards don’t enjoy the same user protections as consumer cards, issuers can increase the interest rates on business-card balances whenever they please – among other things. With consumer cards, they have to wait until you’re at least 60 days delinquent.
Other Things to Consider About Amex Blue Business Plus
Good personal credit required
Business credit cards are closely related to cardholders’ personal finances, so business credit card issuers like American Express will evaluate your personal credit standing when you apply. You can check your latest credit score for free on WalletHub to confirm you have a reasonable chance of being approved.
Amex Blue Business Plus vs. Popular Competitors
The Blue Business® Plus Credit Card from American Express
Capital One Spark Cash Select - 0% Intro APR for 12 Months
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
|Rewards Bonus Offer||15,000 points||N/A||$500|
|Rewards Rate||1 - 2 points / $1||1.5 - 5% Cash Back||1 - 5% Cash Back|
|Purchase Intro APR||0% for 12 months||0% for 12 months||0% for 15 billing cycles|
|Transfer Intro APR||N/A||N/A||0% for 15 billing cycles|
Transfer Fee: 3% (min $5)
|Regular APR||13.99% - 21.99% (V)||16.24% - 24.24% (V)||14.74% - 23.74% (V)|
|Details, Rates & Fees||Learn More|
Rates & Fees
|Learn More||Learn More|
Rates & Fees