The Blue Business® Plus Credit Card from American Express Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

By Our Content Team

EDITOR

The Blue Business® Plus Credit Card from American Express shines bright as an option for business owners with a lot of expenses. Whether you're starting your business journey or are well-established, this card from our partner, American Express, is worth looking into.

Jump to Full Review ↓

Rates & Fees

The Blue Business® Plus Credit Card from American Express

4.5 BCC Score

Apply Now

on American Express' secure site

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.

Rewards Rate

2X 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. Terms and limitations apply.

Intro APR

0% on purchases for 12 months from date of account opening and N/A, then 16.74% - 26.74% Variable

Annual Fee

No annual fee

Credit Score Needed

Good, Excellent

Card Brand

AMEX

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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X 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. Terms and limitations apply.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

Pros

Intro APR on purchases
Generous rewards rate on business purchases
No annual fee

Cons

There is a yearly cap on the 2X points
Requires good/excellent credit

OUR EXPERT REVIEW

Why We Like It

The Blue Business® Plus Credit Card from American Express comes with just about everything you could want in a business credit card. There is no annual fee and cardholders will enjoy a lengthy 0% intro purchase APR and earn valuable rewards on every purchase. Earn 2X 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. Terms and limitations apply.

In addition to the rewards you earn on purchases, our partner is offering business owners the flexibility of 0% interest rates: 0% on purchases for 12 months from date of account opening. That intro APR can really come in handy if you need some extra time to pay down new purchases for your business. After the intro period is up, the ongoing APR will be a competitive 16.74% - 26.74% Variable.