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MoneyGeek’s Take
The Blue Business® Plus Credit Card from American Express Review
Updated: October 23, 2024
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The Blue Business® Plus Credit Card from American Express
On Issuer's Site
Rewards Summary
Earn 1X – 2X pointsEarn 2X points on everyday business purchases like office supplies and client dinners, up to $50,000 annually. After that, earn 1 point per dollar. Terms and limitations apply.
APR
17.99% - 25.99% variableAnnual Fee
$0Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Crafted with small businesses in mind, The Blue Business® Plus Credit Card from American Express is an appealing choice for those looking for a cost-effective and rewarding credit option. This card is best suited for small to mid-sized businesses that have significant everyday operating expenses. Businesses that can maximize the rewards rate up to the annual limit would gain the most benefit. However, it may not be the best fit for businesses with high travel expenses or high-spending in specific categories that they could earn more points for with another card.
The Blue Business® Plus Credit Card from American Express Overview
The Blue Business® Plus Credit Card from American Express’s rewards program is fairly straightforward and its suite of account management features is designed to make it easier to manage multiple cards on the account. Here are some more details about this no-annual-fee business card:
- Rewards rate: Earn 2X points on everyday business purchases like office supplies and client dinners, up to $50,000 annually. After that, earn 1 point per dollar. Terms and limitations apply.
- Welcome offer: Earn 15,000 Membership Rewards® points after spending $3,000 in the first three months.
- Regular APR: 17.99% – 25.99% Variable See Rates and Fees
- Annual fee: $0 See Rates and Fees
- Intro APR offer: 0% introductory APR on purchases for 12 months, then a variable APR of 17.99% - 25.99% after that. See Rates and Fees
- Terms Apply
Blue Business Plus Points Estimator
Estimate the value of the rewards you could earn with the Blue Business Plus card. Enter your spending in the categories below to see how many Membership Rewards points you can earn annually.
Important Disclaimers:
- This calculator is for planning and evaluation purposes and is not sponsored or endorsed by American Express.
- Some of your purchases may not be eligible for earning points.
- The value of points at redemption will vary.
1
Monthly spending on everyday business purchases (up to $50,000 annually) - 2X points
$
2
Monthly spending on everyday business purchases (beyond $50,000 annually) - 1X points
$
Points Earned From the Card:0
Estimated Points Value:0 cents
Value of Points:$0
Important Card Details
Learn more about the features and fees associated with The Blue Business® Plus Credit Card from American Express to help you determine if it’s right for your business's budget and needs.
Straightforward Rewards
The flat-rate rewards of 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, and 1 point per dollar thereafter offers appealing simplicity for business owners. You have various redemption options, too, including a straightforward statement credit, merchandise or gift cards through American Express Travel portal or transferring to one of American Express's many travel partners.
Welcome Bonus
Earn 15,000 Membership Rewards® points after spending $3,000 in the first three months.
Foreign Transaction Fees
This card charges foreign transaction fees at a rate of 2.7%. That may not sound like a lot, but it can significantly impact how costly it is to travel and do business overseas. See Rates and Fees
Regular APR
The Blue Business® Plus Credit Card from American Express has a variable APR 17.99% - 25.99%. (See Rates and Fees) This is on the higher end for a business card, so it's best to avoid carrying a balance when possible.
No Annual Fee
No annual fee means you won't have to pay just to have the card. A nice feature to keep costs low when managing your business's budget. See Rates and Fees
High Customer Satisfaction
American Express has a strong record for customer satisfaction, frequently topping J.D. Power's Credit Card Satisfaction Study.
How The Blue Business® Plus Credit Card from American Express Compares To Other Cards
When comparing this card to others, it's important to weigh the benefits of its no annual fee and solid rewards on everyday business purchases against potentially higher rewards on other cards for specific categories like travel.
How This Card Compares
The Blue Business® Plus Credit Card from American Express
- Rewards rate: Earn 2X points on everyday business purchases like office supplies and client dinners, up to $50,000 annually. After that, earn 1 point per dollar. Terms and limitations apply.
- Welcome offer: Earn 15,000 Membership Rewards® points after spending $3,000 in the first three months.
- Regular APR: 17.99% - 25.99% (variable) See Rates and Fees
- Annual fee: $0 See Rates and Fees
- Intro APR offer: 0% intro APR offer on purchases for 12 months, then a variable rate of 17.99% - 25.99% See Rates and Fees
- Terms Apply
- Best for: Flat cash back on everyday business spending
Capital One Spark Cash Plus
- Rewards rate: 5% cash back on hotels and rental cars through Capital One Travel, 2% cash back on all other purchases
- Welcome offer: Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Regular APR: N/A (charge card)
- Annual fee: $150
- Intro APR offer: None
- Best for: flat cash back and bonus travel category
For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.