The Blue Business Plus Credit Card from American Express

card_name is a simple rewards card that is fitting for small business owners. This card comes with no annual fee, a welcome bonus, and card holders earn up to 2x rewards on the first $50,000 in purchases each year (1x thereafter).

Our Rating
4.5/5.0

Welcome Offer
0.0% intro APR on purchases for 12 months

Annual Fee
No annual fee

0% on Purchases
12 months from date of account opening

Reward Rate
1x - 2x

0% on Balance Transfers
N/A

Welcome Offer

N/A

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Price Protection, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver

Rewards

1x points
On all other eligible purchases
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
2x points
All eligible purchases
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.

Interest Rates & Fees

Annual FeeNo annual fee
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.
Regular APR18.49% - 26.49% (V) APR
Purchases0% Intro APR for 12 months on purchases, then 18.49% - 26.49% (V) APR after that.

Insurance

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by AMEX Assurance Company.

What Credit Score Is Required to Get the The Blue Business® Plus Credit Card from American Express

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved10/14/2021
816
Experian
$13,500
Approved11/24/2021
777
Experian
$10,000
Approved12/10/2020
729
Experian
$9,000
Approved12/03/2018
717
Experian
$20,000
Approved05/22/2022
686
Experian
$2,000
Approved03/20/2019
743
Experian
$6,000
Approved05/02/2018
729
Equifax
$22,500
Approved04/04/2021
700
Experian
$2,000
Approved07/15/2020
750
Not Provided
$9,000
Approved04/05/2021
750
Not Provided
$2,000
Approved08/13/2021
714
Experian
$5,300
Approved06/03/2018
673
Experian
$2,000
Approved01/05/2021
771
Experian
$2,000
Approved06/25/2017
748
Experian
$2,000
Denied04/05/2020
Not Provided
---
Denied02/14/2020
792
Experian
---
Denied02/12/2021
Not Provided
---
Pros
  • Welcome offer
  • No annual fee
  • Up to 2x points
  • 0% Intro APR
Cons
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card

Rating

4.9

Rewards Range

1.5%

Annual Fee

$0

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.9

Rewards Range

1-3x points

Annual Fee

$95

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.9

Rewards Range

1%-5%

Annual Fee

$0

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