Rewards
2x points
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
1x points
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Welcome Bonus
Earn 15,000 Membership Rewards points after spending $3,000 within your first 3 months.
Pros & Cons
Pros
- No annual fee
- Welcome Bonus
- 2x rewards on the first $50,000 spent on purchases every year
- 1x rewards on all purchases made after reaching the $50,000 yearly goal
- 0% Intro APR for first 12 months
Cons
- Requires good to excellent credit
- Lower rewards rate after spending $50,000 every year
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Price Protection, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 2.7% of each transaction after conversion to US dollars. |
| Regular APR | 17.99% - 25.99% Variable (V) APR |
0% Intro APR
| Purchases | 0% Intro APR for 12 months on purchases, then 17.99% - 25.99% Variable (V) APR after that. |
What Credit Score Is Required to Get the AmEx Business Plus
Based on data we’ve collected from public forums, a credit score of 780 or higher is ideal. We have seen an approval with a score as low as 729, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 10/14/2021 | Experian | ||
| Approved | 11/24/2021 | Experian | ||
| Approved | 12/10/2020 | Experian | ||
| Approved | 12/03/2018 | Experian | ||
| Approved | 05/22/2022 | Experian | ||
| Approved | 03/20/2019 | Experian | ||
| Approved | 05/02/2018 | Equifax | ||
| Approved | 04/04/2021 | Experian | ||
| Approved | 07/15/2020 | Not Provided | ||
| Approved | 04/05/2021 | Not Provided | ||
| Approved | 08/13/2021 | Experian | ||
| Approved | 06/03/2018 | Experian | ||
| Approved | 01/05/2021 | Experian | ||
| Approved | 06/25/2017 | Experian | ||
| Denied | 04/05/2020 | Not Provided | ||
| Denied | 02/14/2020 | Experian | ||
| Denied | 02/12/2021 | Not Provided |
What Are the Best Alternatives?
Ink Business Unlimited® Credit Card
Rating
4.9
Rewards Range
1.5%
Annual Fee
$0
Ink Business Preferred® Credit Card
Rating
4.9
Rewards Range
1-3x points
Annual Fee
$95
Ink Business Cash® Credit Card
Rating
4.9
Rewards Range
1%-5%
Annual Fee
$0
