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You are here: Home / Credit Cards / The Blue Business Plus Credit Card from American Express

The Blue Business Plus Credit Card from American Express

August 18, 2022 by Rob Berger

The The Blue Business® Plus Credit Card from American Express 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).

The Blue Business® Plus Credit Card from American Express
Learn More
Rates & Fees
Terms Apply
Our Rating
4.5/5.0
Welcome Offer
15,000 Points
Annual Fee
$0
0% on Purchases
12 Months
Rewards Rate
1x - 2x
0% on Balance Transfers
None

Rewards

2x points
All eligible purchases
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
1x points
On all other purchases
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

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

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.
Regular APR17.99% - 25.99% Variable (V) APR

0% Intro APR

Purchases0% 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 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
---

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

Read Review
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.9

Rewards Range

1-3x points

Annual Fee

$95

Read Review
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.9

Rewards Range

1%-5%

Annual Fee

$0

Read Review

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About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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