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Updated April 27, 2017

American Express Blue Business Plus Review

Read more about The Blue Business℠ Plus Credit Card from American Express, a CreditDonkey advertiser
Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
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The Blue Business℠ Plus Credit Card from American Express combines everyday rewards with no annual fee. Keep reading to find out what makes this Amex credit card a right pick for freelancers and growing businesses.

Blue Business Plus
Apply Now

Overall Score

4.3

Rewards

4.5

Interest Rates

4.0

Fees

4.5

Benefits

4.0
5-point scale (the higher, the better)

Pros and Cons

  • 2X points on the first $50,000 spent each calendar year, then 1x
  • Intro APR
  • No annual fee
  • Foreign transaction fee

Bottom Line

Good no-annual-fee rewards card for small business owners

WHO THE CARD IS GOOD FOR

  • Small business owners who need the flexibility of being able to pay off their purchases over time.

  • Business owners who want to earn points on purchases without having to juggle specific spending categories.

  • Entrepreneurs who prefer to reinvest their rewards in their business and employees.

REASONS TO CHOOSE THIS CARD

We've picked out the benefits that, in our opinion, make the Blue Business Plus card worthwhile for business owners.

  1. You want straightforward rewards: You earn 2X Membership Reward® points on the first $50,000 spent on eligible purchases each calendar year, 1 point per dollar thereafter. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

  2. You're looking for a 0% APR introductory promotion: The card offers a 0% intro APR on purchases and balance transfers for 15 months. After that, a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening. Keep in mind, you still need to make at least the minimum payment due.

  3. You want to pass on the annual fee: Unlike some business rewards credit cards, the Blue Business Plus card doesn't come with an annual fee. And there is no annual fee to add extra cards for your employees.

  4. You need help tracking expenses: You'll automatically get access to Spend Manager Mobile App, which allows you to match up images of your receipts to purchases made with your card so you can categorize them in QuickBooks (with Connect to QuickBooks).

  5. You want extra savings on certain purchases: The Blue Business Plus card also gives you access to the OPEN Savings program, which is designed to give you either a 5% discount or 2 additional reward points per $1 when you make purchases with select Amex partners.

  6. You want extra coverage when you travel: Travel accident insurance, baggage insurance, car rental loss and damage insurance, and 24-hour roadside assistance hotline are just some of the benefits available to members.

  7. You're not interested in a charge card: With a traditional American Express charge card, you are be responsible for paying the balance in full every month. The Blue Business Plus card, however, gives you the option to spread the payments out over time, with interest.

  8. You want flexible redemption options: Points earned with the card can be redeemed for travel (via AMEX transfer partners), entertainment, merchandise, and gift cards from more than 500 brands.

To learn more about the Blue Business Plus, visit American Express' website. Their website includes information on additional benefits and the online secure application.

WHY YOU SHOULD LOOK ELSEWHERE

No business credit card is perfect, and there are drawbacks to keep in mind before applying for the Blue Business Plus card.

  • You normally charge expenses when traveling overseas: If you plan to use a credit card to pay for expenses overseas, be prepared to pay a premium to do so. This card comes with a 2.7% foreign transaction fee, which adds an additional $27 on to every $1,000 you spend. While that's slightly lower than the typical 3% some business cards charge, you can find plenty of no-foreign transaction fee options.

    If you frequently travel abroad, consider using a credit card with no foreign transaction fees instead.

HOW IT COMPARES

Before you apply for the American Express Blue Business Plus card, it helps to know how it stacks up against the competition. We've highlighted a few other business credit card contenders that give it a run for its money.

If you want to focus on cash back:
SimplyCash Plus Business Credit Card from American Express: If you shell out a lot of money at U.S. office supplies stores or with U.S. wireless services providers, the SimplyCash Plus can put some of what you spend back in your bank account. The card earns 5% back on these purchases (up to $50,000/year) and 3% back on a category you choose from a selected list of 8 (also on purchases up to $50,000/year). Plus, you'll earn 1% back on other purchases.

As a nice little extra, you'll get a one-time $200 statement credit when you spend $5,000 in qualifying purchases within the first 6 months. Plus, you can earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your card within the first year.

Like the Blue Business Plus, the SimplyCash Plus also has no annual fee.

 

Blue Business Plus

SimplyCash Plus

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR on Purchases for 15 months0% introductory APR on Purchases for 9 months
Introductory APR for Balance Transfers0% introductory APR on Balance Transfers for 15 monthsN/A
Purchase APR12.24% to 20.24% Variable based on your creditworthiness and other factors13.24% to 20.24% Variable based on your creditworthiness and other factors
Balance Transfers APR12.24% to 20.24% Variable based on your creditworthiness and other factorsN/A
Annual Fee$0 annual feeNo annual fee
Terms Apply See Rates & FeesTerms Apply See Rates & Fees
 

Benefits and Features

Cash Back Deal Introductory Bonus Cash Back: Special Offer: Earn up to $400 cash back
Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
Cash Back Cash Back Rewards: 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. 3% on the category of your choice from a list of eight and 1% cash back on other purchases. (5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.) Terms and limitations apply.
PointsPoint Rewards: Get rewarded for business as usual. 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. 
DiscountDiscount: The OPEN Savings benefit is built into Business Cards from American Express OPEN and provides either a 5% discount or 2 additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. Terms and limitations apply.Discount: The OPEN Savings benefit is built into Business Cards from American Express OPEN and provides either a 5% discount or 2 additional Membership Rewards® points (if your card is enrolled in the Membership Rewards program) for each eligible dollar spent at OPEN Savings merchants. Terms and limitations apply.
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 

If you want to earn more points towards business travel:
Business Gold Rewards Card from American Express OPEN: Frequent business trips can quickly eat into your bottom line, but you can rack up savings with the Business Gold Rewards card. Members can now earn 3x points in one of 5 categories they choose. For the remaining 4 categories, you'll earn double points, plus 1 point on all other purchases. Keep in mind, the 3x and 2x apply to the first $100,000 in purchases in each of the 5 categories per year, 1x point per dollar thereafter.

A welcome offer of 50,000 Membership Rewards points is also yours if you make $5,000 in purchases on the card within the first 3 months of card membership. Points can be used towards flights, hotels, and rental cars or any other everyday business expense. The $175 annual fee is a little steep, so unless you plan on spending enough to earn it back, you might be better off sticking with the Blue Business Plus card.

 

Blue Business Plus

Business Gold Rewards Card

Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.No foreign transaction fee
Annual Fee$0 annual fee$0 introductory annual fee for the first year, then $175
Terms Apply See Rates & FeesTerms Apply See Rates & Fees
Points Deal Introductory Bonus Reward Points: Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
PointsPoint Rewards: Get rewarded for business as usual. 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.Point Rewards: Get 3x points - Choose 1 out of 5 categories. 2X points on the 4 remaining categories and 1X points on other purchases. 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter

If you prefer Visa or MasterCard:
Chase Ink Cash: Although American Express cards are accepted in millions of locations around the world, they're not universal and in some cases, you may need a Visa or MasterCard as a backup. The Ink Business Cash credit card from Chase is a candidate if you want a cash back card with no annual fee.

 

Blue Business Plus

Ink Business Cash

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR on Purchases for 15 months0% introductory APR for 12 months
Introductory APR for Balance Transfers0% introductory APR on Balance Transfers for 15 months0% introductory APR for 12 months
Purchase APR12.24% to 20.24% Variable based on your creditworthiness and other factors14.24% to 20.24% Variable based on your creditworthiness and other factors
Balance Transfers APR12.24% to 20.24% Variable based on your creditworthiness and other factors14.24% to 20.24% Variable based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
Terms Apply See Rates & Fees 
 

Benefits and Features

Cash Back Deal Introductory Bonus Cash Back: Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening.
Cash Back Cash Back Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Unlimited 1% cash back on all other card purchases.
PointsPoint Rewards: Get rewarded for business as usual. 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. 
Gas Gas Rewards: Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Restaurant Dining Rewards: Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
DiscountDiscount: The OPEN Savings benefit is built into Business Cards from American Express OPEN and provides either a 5% discount or 2 additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. Terms and limitations apply. 
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 

Ink Business Cash: Pricing information including interest rates, benefits and fees was obtained on July 17, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Ink Business Cash Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

BOTTOM LINE

© daveynin (CC BY 2.0) via Flickr

Compared to the other business credit cards we've mentioned here, the Blue Business Plus card is a solid choice if you prefer a no-muss, no-fuss approach to earning 2x rewards (on the first $50,000 spent in eligible purchases each calendar year, 1 point per dollar thereafter).

If you want the ability to earn rewards without having to jump through an endless number of hoops, this is one card you'll want to seriously consider.

As always, terms and limitations apply.

Next Step: View the issuer's official application, terms, and details

Rebecca Lake is a journalist at CreditDonkey, a credit card comparison and financial education website. Write to Rebecca Lake at rebecca@creditdonkey.com. Our data-driven analysis has been recognized by major news outlets across the country and has helped consumers make savvy financial and lifestyle decisions. (read more)

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on July 10, 2015. This content may have been updated on April 27, 2017. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check American Express website for updated information.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Ink Business Cash Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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The Blue Business Plus Credit Card from American Express
Apply for The Blue Business Plus Credit Card from American Express
At American Express' Secure Site
  • Get rewarded for business as usual. 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new 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 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
  • Go to issuer's official application, terms, and details
Point RewardsDiscount$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.24% - 20.24% Variable
$0

Compare Blue Business Plus to:

Compare Blue Business Plus vs Business Gold Rewards Card
Apply for The Business Gold Rewards Card from American Express OPEN
At American Express' Secure Site
  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitDiscountEventsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionBaggage Insurance$0 Fraud LiabilityEmergency AssistanceEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $175

Compare Blue Business Plus vs Business Green Rewards Card
Apply for Business Green Rewards Card from American Express OPEN
At American Express' Secure Site
  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply
  • See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitDiscountCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance Travel Accident Insurance
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $95

Leave a comment about American Express Blue Business Plus Review?


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CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

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