Edited by: Stella Shon
& Kellie Jez
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No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Good to Excellent (670-840)
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
(at Amex's secure site)
The Amex Blue Business Plus card is well worth it for small business owners seeking a card with a simple point-earning structure to put all of their business expenses on. Since the card earns 2x points on up to $50,000 in annual spending, the Amex Blue Business Plus card is one of the best credit cards for monthly bills for business owners.
Of course, the card does more than just earn points. It’s also great for business owners who want employee cards without additional fees and benefits such as purchase protection and extended warranty protection.
Better yet, you receive all of the card’s great earning potential and benefits without an annual fee. Without a doubt, the Amex Blue Business Plus card is a favorite among Upgraded Points team members, including Chris Hassan, Social Media and Brand Manager, who said:
“A $0 annual fee card that earns 2x Amex points? The Amex Blue Business Plus is a no-brainer for me. When you factor in all the extras that are included like access to Amex Offers, transfer partners, purchase protection, car rental insurance, and more, I don’t know why more people don’t have this card.”Chris Hassan, Social Media and Brand Manager
When you’re running a business, you want your employees to be able to get what they need without having to exchange a single credit card back and forth. With the Amex Blue Business Plus card, that won’t be an issue, as you can add as many employee cards as you’d like for no additional fee (rates & fees).
Purchase an item with your card, and you’re covered for up to 90 days towards accidental damage or theft. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per calendar year.
Any time you purchase an item with your card that has a warranty of 5 years or less, your Amex Blue Business Plus card extends that coverage by 1 additional year.
You can easily use your card for all of your business expenses to rack up points. But there are many other great ways to earn Membership Rewards points that you can take advantage of.
The Ink Business Unlimited card is worth considering if you want a no-annual-fee business card that earns flexible rewards on a simple earning structure. The card earns an uncapped 1.5% back, making it a much better option if your business has a lot of annual expenses.
If you’re looking for a more well-rounded option that allows you to maximize categories where your business spends the most, the Ink Business Preferred card might be a perfect fit. The Ink Business Preferred card earns 3x points on up to $150,000 in combined purchases on travel, shipping, ad purchases made with social media sites or search engines, and internet, cable, and phone services.
The Ink Business Preferred card could help your business earn thousands of Chase Ultimate Rewards points annually if your business spends a large amount of money on any of these categories.
We’ve also compared the Amex Blue Business Plus card to these other popular cards:
Every card we review is assigned a “U.P. Rating” – our star-based system that encompasses all the key details to showcase a card’s standout features, where it falls short, and how it stacks up for travelers to maximize rewards.
These ratings range from 0 to 5 stars and are determined by carefully weighing crucial factors like:
You can learn more about how Upgraded Points reviews and rates credit cards.
For the purchase protection benefit of the Amex Blue Business Plus card, 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.
For the extended warranty benefit of the Amex Blue Business Plus card, 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.
For the car rental loss and damage insurance benefit of the Amex Blue Business Plus card, 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.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
If you’re approved for the card, your credit limit will vary based on your credit score, your business’ annual revenue, how long you’ve been in business, and the amount of credit that American Express has (or has not) extended to you already.
Yes, the card charges a foreign transaction fee of 2.7% of each transaction after conversion to U.S. dollars. You’ll want to use another card for your purchases when traveling abroad.
When you make a purchase with your card, the purchase is covered for theft or damage for up to 90 days from the date it was purchased. If this happens, you can be covered for up to $1,000 per occurrence and up to $50,000 per calendar year.
When you purchase a product with your Amex Blue Business Plus card, the original warranty can be extended up to 1 additional year. This applies to warranties of 5 years or less on all covered purchases.
There is no set credit score requirement for the card, but generally speaking, those with a credit score of 700 or higher will have a good chance of being approved.
Other factors Amex will consider include your business’s annual revenue, the number of years you’ve been in business, the nature of your business, and other credit factors.
No, there’s no annual fee with the card, and additional employee cards can be added at no cost.