Credit Cards

Blue Business® Plus card American Express® review

Read this Blue Business® Plus card American Express® review and learn about this card's excellent rewards at no annual fee.

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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

Partner Offer through CreditCards.com

Get a generous 0% intro APR period and earn double points on purchases

Blue Business® Plus card American Express®
If you’re a business owner, read this review to see the benefits you can get with this credit card. Source: The Post New.

This card gives you a high flat-rate reward on purchases up to an annual cap, with no annual fee and a nice 0% intro APR period. Here is our Blue Business® Plus card American Express® review.

Blue Business® Plus card American Express®

How to get your Blue Business® Plus card

In this Blue Business® Plus card American Express® application guide you will learn how to get this card within just a few minutes.

  • Credit Score: Good – Excellent (690 – 850)
  • APR: 0% intro APR for 12 months, 16.99% – 24.99% Variable APR thereafter. Rates & Fees.
  • Annual Fee: $0. Rates & Fees.
  • Fees: 2.7% foreign transaction fee. Rates & Fees.
  • Welcome bonus: 15,000 Membership Rewards points after spending $3,000 within the first 3 months from account opening. Terms Apply.
  • Rewards: 2X Membership Rewards points on business spending such as office supplies up to the first $50,000 per year, 1X points per dollar thereafter. Terms Apply.

The Blue Business® Plus card American Express® is ideal for small business owners who prefer earning points on purchases over cash back.

With this card, you also get the power to use it beyond its credit limit, albeit not unlimitedly. Read on and find out how this works.

Blue Business® Plus card American Express®: how does it work?

Only business owners know how dynamic spending can get when it comes to maintaining business supplies.

Because of that, every once in a while, you end up needing more credit than you actually have available.

With the Blue Business® Plus card American Express®, when situations like this happen, you have the power to use your credit card beyond its original credit limit.

This is possible thanks to its Expanded Buying Power feature.

The extra limit you have access to is something that the issuer adjusts based on how you use your card, your payment history, financial resources, credit record and other factors.

This means the extra limit is not unlimited. Also, this expanded limit is subject to variation based on the previously mentioned factors. 

The card earns 2X Membership Rewards points on every dollar you spend on business purchases up to the first $50,000 per year. After that, you will earn 1X Membership Rewards points per dollar.

Depending on how you choose to redeem your points, they can yield a value of 0.5 to 1 cent per point.

You can redeem points for travel, gift cards or statement credit.

Significant benefits and disadvantages you may find

business woman using Blue Business® Plus card American Express®
Improve your business finances with a good rewards credit card. Source: Canva.

Now that you know the most important details of this card, how about a comparison?

Our Blue Business® Plus card American Express® review would not be complete without putting benefits and disadvantages side by side. Check it out!

Benefits

  • Earns rewards at a high rate
  • 0$ annual fee
  • 12-month 0% intro APR period
  • Transfer partners

Disadvantages

  • Bonus rewards with spending caps
  • Requires Good to Excellent credit
  • Charges a foreign transaction fee

Is a good credit score required for applicants?

Yes. The Blue Business® Plus card American Express® requires applicants to have a credit score between 690 and 850 in order to qualify.

This generally falls within the categories of Good to Excellent credit.

Learn how to apply and get a Blue Business® Plus card American Express®

If you like what you have seen in this Blue Business® Plus card American Express® review, you might want to take the next step and apply for this card.

If that is the case, then hit the link below and we are going to guide you through the process.

Blue Business® Plus card American Express®

How to get your Blue Business® Plus card

In this Blue Business® Plus card American Express® application guide you will learn how to get this card within just a few minutes.

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

Partner Offer through CreditCards.com

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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