The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

on American Express's website, or call (866) 512-6673

The Blue Business® Plus Credit Card from American Express

American Express is a NerdWallet Partner

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

on American Express's website, or call (866) 512-6673

Card details

  • Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.

  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.

  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.

  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.

  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.

  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.

  • Terms Apply

  • View Rates and Fees

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer


  • Intro APR

    0% on Purchases and Balance Transfers for 12 months

  • Ongoing APR

    APR: 14.74% - 20.74% Variable APR

    Penalty APR: 29.99%, Variable

  • Balance transfer fee

    Either $5 or 3% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    2.7% of each transaction after conversion to US dollars.

Recommended credit score

NerdWallet review

By Sara Rathner

Rating details


Editor's overall rating

Pros and cons

  • High rewards rate

  • No annual fee

  • No welcome bonus

With the The Blue Business® Plus Credit Card from American Express, you can finance your business with a long intro APR period, spend above your credit limit if needed, and earn double the points on all purchases up to an annual spending cap. There's no need to concern yourself with spending categories. Terms apply.

The $0-annual-fee card earns 2X Membership Rewards points on the first $50,000 in purchases each calendar year, and 1X points on spending above $50,000. You also get an intro 0% APR for 12 months on purchases and balance transfers, and then the ongoing APR of 14.74% - 20.74% Variable APR. Terms apply.

If you're seeking a welcome offer or the chance to earn elevated rewards on specific spending, you'll want to look elsewhere. The card’s also not a good fit for businesses with expenses that far exceed the card’s annual cap on double rewards.

For more information, see our full review of this card.

User Reviews

Rating Details

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