The Blue Business Plus Credit Card from American Express
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The Blue Business® Plus Credit Card from American Express is a simple rewards card that is fitting for small business owners. It’s strikingly similar to The American Express Blue Business Cash™ Card except that you earn points instead of cash. The welcome offer also rewards you with membership rewards points.
If you transfer these points to any of American Express’s hotel or airline partners, they could be worth more. If you travel frequently, this card offers more value. You get a 0% introductory APR on purchases for the first 12 months from date of account opening months, then 17.74% - 25.74% variable APR. If you spend more than $50,000 on a card in a year, you can find better options. We dive into the details and your approval odds in this AmEx Business Plus review.
Welcome Offer
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.
Our Rating
4.5/5.0
Welcome Offer
Earn 15,000 Membership Rewards® points
Annual Fee
No annual fee
0% Intro on Purchases
12 months from date of account opening
Reward Rate
1x – 2x
0% Intro on Balance Transfers
Welcome Offer
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Editorial Review
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, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver |
Rewards
Interest Rates & Fees
| Annual Fee | No annual fee |
| Foreign Transaction Fee | 2.7% of each transaction after conversion to US dollars. |
| Regular APR | 17.74% - 25.74% (V) APR |
| Purchases | 0% Intro APR for 12 months on purchases, then 17.74% - 25.74% (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.
Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
- 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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 numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 821
Average Approved Credit Score: 831
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/06/2024 | Equifax | ||
| Approved | 04/06/2024 | TransUnion | ||
| Approved | 04/06/2024 | Experian | ||
| Denied | 12/11/2023 | Not Provided |
Pros & Cons
- Welcome offer
- No annual fee
- Up to 2x points
- 0% Intro APR
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
Ink Business Preferred® Credit Card
Rating
4.7
Rewards Range
1-3x points
Annual Fee
$95
Ink Business Cash® Credit Card
Rating
4.8
Rewards Range
1%-5%
Annual Fee
$0
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To view rates and fees of the The Blue Business® Plus Credit Card from American Express, see this page.