The Blue Business® Plus Credit Card from American Express
Best For: Pocketing 2x points per $1 and 0% introductory APR for 12 months
| Intro APR ?0% introductory APR for 12 months on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% on purchases | 13.24% - 19.24% Variable | No annual fee | Good, Excellent |
American Express Blue Business® Plus is an excellent low-interest credit card that’s best for businesses that spend less than $50,000 per year. This small business credit card offers points-based rewards on all purchases, with no category restrictions. It also comes with several features, including travel insurance, purchase protection, and account management tools.
Who the American Express Blue Business® Plus Credit Card Is Right For
- Owners who prefer a no annual fee card and have less than $50,000 annual expenses: The American Express Blue Business® Plus Credit Card offers two points on the first $50,000 in purchases each year, and one point on all purchases thereafter.
- Owners who are planning to make a large purchase: The American Express Blue Business® Plus Credit Card offers a 0% annual percentage rate (APR) introductory period for the first 12 months with no annual fee, making it a great option for those who need to make a large purchase.
How We Evaluate Low-interest Business Credit Cards
When grading a low-interest credit card like the American Express Blue Business® Plus credit card, we weigh the introductory and ongoing APR as the most important criteria. We also consider the card’s additional features, ongoing rewards, and introductory rewards.
| Grading Criteria | ||
|---|---|---|
Introductory APR | ||
Ongoing APR | ||
Additional Features | ||
Ongoing Rewards | ||
Introductory Rewards | ||
| Total Score |
American Express Blue Business® Plus Credit Card Fees
- Introductory APR: 0% on purchases for the first 12 months
- Ongoing APR: 13.24% to 19.24% variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: $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
- Cash advance fee: Cash advances are not allowed
American Express Blue Business® Plus Credit Card Rewards
- 2x points on the first $50,000 in purchases each year
- 1x point on all purchases thereafter
Welcome offer: Earn up to $100 statement credits at each of the following merchants: Dell, DocuSign, or FedEx after you make eligible purchases within the first three months of card membership.
If you have at least 1,000 available points in your account, you can use them to pay for eligible charges on your current statement. You can also use points to purchase American Express gift cards, shop at Amazon, or pay for taxi fares in selected taxis in New York City. Plus, purchase event tickets at Ticketmaster or AXS if you have a minimum of 2,000 points or redeem points for travel on American Express Travel for a minimum of 5,000 points.
American Express Blue Business® Plus Credit Card Features
Purchase Protection
Items purchased using the American Express Blue Business® Plus credit card are covered in case they are damaged or stolen within 120 days from the date of purchase and 90 days for New York residents. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember per year. Perishable items, motorized vehicles, tickets, leased items, medical equipment, and permanent fixtures are few of the items that are not covered.
Roadside Assistance
American Express provides a 24-hour roadside assistance hotline that can send roadside services to help in an emergency situation, such as towing, winching, jump starts, tire changes, gas delivery, and lockout services. Cardmembers will be charged for the costs of any services or goods that are not covered. The roadside assistance hotline does not cover rental vehicles, taxis, unlicensed vehicles, and tractors and trucks that weigh more than 10,000 pounds.
Extended Warranty Protection
American Express provides cardholders with an extended warranty for items with original manufacturer warranties that are less than five years. It will match the warranty length for items with original warranties that are less than two years and provide an additional two years if the original warranty is between two and five years. This coverage is limited to $10,000 per claim and can’t exceed $50,000 per cardmember account per year.
Travel Accident Insurance
American Express provides travel accident coverage up to $100,000 if you die or lose a limb, sight, speech, or hearing. Travels are eligible if the entire travel fare has been charged to your American Express credit card. Instances that are not covered include self-inflicted injuries, certain ailments, physical or mental infirmity, and injuries received during or as a result of commuting.
Baggage Insurance Plan
American Express provides coverage up to $1,250 for the replacement cost of baggage while in direct transit from a terminal or for a carry-on item, and up to $500 for each covered person’s checked baggage. It will also cover up to $250 for high-risk items. The trip must be entirely paid using your American Express Blue Business® Plus credit card to be eligible.
Car Rental Loss & Damage Insurance
Car rental loss and damage insurance of up to $50,000 per rental agreement is provided for the first 30 days of a vehicle rental that is rented from a car rental company. Confiscation by authority, manufacturing defects, intentional damage by an authorized driver, wear and tear, theft of or damage to tires, and damage due to freezing are not included with the coverage.
Account Management Tools
The American Express Blue Business® Plus credit card comes with three account management tools to help account holders and cardmembers manage their accounts. The American Express® Business App allows you to manage your account and transactions. The American Express® Business mobile app helps with expense reporting and control employee spending. The Connect to QuickBooks tool will automatically transfer your transaction data to your QuickBooks account.
American Express Blue Business® Plus Credit Card Alternatives
Chase Ink Business Preferred®
Ink Business Preferred® Credit Card
Best For: Maximizing travel rewards at a lower annual fee
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 15.99% to 20.99% Variable | $95 | Good to Excellent |
Bank of America® Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best For: Earning top rewards on travel purchases booked through Bank of America
| Intro APR ?0% APR for nine billing cycles on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
|
0% 9 billing cycles |
12.24% - 22.24% Variable APR on purchases | $0.00 | Excellent |
U.S Bank Business Select Rewards Card
U.S. Bank Business Select Rewards Card
Best For: Earning points rewards in your choice in category spending
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0%* | 11.99% - 22.99%* Variable | $0* | Excellent |
Bottom Line
The American Express Blue Business® Plus credit card is best for business owners who plan to make a large purchase to take advantage of the 0% introductory APR for the first 12 months. This low-interest, points-based rewards credit card is also an excellent option for businesses with annual expenses that don’t exceed $50,000. Visit our credit card marketplace to see a list of other business credit cards that may be a better fit for your business.
