dcsimg

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers from our partners. How we make money.

Apply online for The Blue Business℠ Plus Credit Card from American ExpressSponsored card
About Our Ratings
Credit Needed
Good, Excellent

The Blue Business℠ Plus Credit Card from American Express Review

Pros & Cons

  • Earn two-times the points on your first $50,000 in purchases annually.
  • Take advantage of 15 months of zero interest on purchases and balance transfers (13.49% - 21.49% Variable after that).
  • You'll earn points on purchases made above your credit limit, giving you earning power and flexibility (buying above your limit isn't unlimited; it's based on your payment history and other factors).
  • If you routinely spend disproportionately in particular categories, you might be better served with a card that rewards purchases in those categories with a higher rewards-earning rate.
Terms and Limitations Apply

Top Features

Rewards
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
Bonus Rewards
N/A
Regular APR
13.49% - 21.49% Variable
Annual Fee
No annual fee

Full Review

Curtis Arnold Editor-in-chief

The Blue Business℠ Plus Credit Card from American Express Essentials

When The Blue Business℠ Plus Credit Card from American Express marketing materials say the card will "fuel your vision," they're not kidding around (American Express is a CardRatings advertiser). With two-times the points on your purchases up to $50,000 spent per calendar year, small business owners could see a huge return on their spending power. And there's no annual fee to offset (Terms apply. See Rates and Fees).

Perhaps the one thing that sets The Blue Business℠ Plus Credit Card from American Express apart from its competitors the most, however, is the ability to spend above your credit limit (with certain terms and regulations, of course) and still earn rewards on those purchases. The flexibility that this affords small business owners is among the top reasons you should consider adding this card to your wallet if you're a small business owner.

With no annual fee and 0 percent interest on purchases and balance transfers for 15 months (then, 13.49% - 21.49% Variable), this card can help small business owners buy the things they need without additional fees that sometimes accompany other banks' terms. Plus, with The Blue Business℠ Plus Credit Card from American Express, the perks for customer loyalty do not end after the introductory 15 months (keep reading to learn more).

What Our Editors Like Best About The Blue Business℠ Plus Credit Card from American Express

Trust – it's among the top things The Blue Business℠ Plus Credit Card from American Express is selling to its cardholders. With its flexibility to spend above your credit limit, American Express is choosing to trust its members.

The amount you're allowed to spend above, while not set in stone and subject to your credit rating, payment history, and other terms, not only allows you to purchase necessary items or services for your small- to mid-size business, it also allows you to earn rewards on it. Talk about customer appreciation. And have we mentioned this card doesn't charge an annual fee?

The rewards you can earn based on your spending are also worth noting. There are no categories rotating month-to-month, so you have a bit less to think about when it comes to making the most of your business' credit card rewards earning, but you also have the opportunity to earn more than the typical flat-rate rewards card.

Here's the deal (and, by the way, this is what we were talking about earlier when we mentioned rewarding your loyalty): On the first $50,000 spent each calendar year, you'll earn two times the Membership Rewards® points on all your purchases. After that first $50k you'll earn one point per $1 spent. You know, welcome offers are great, but they're kind of a one-time deal. With The Blue Business℠ Plus Credit Card from American Express, you'll basically be getting a "welcome to a new year" opportunity to earn every year.

For small business owners looking to make some big purchases and pay interest-free over time or just to rack up rewards for regular business purchases, this card could be an excellent tool in helping you achieve business success.

Potential Downsides of The Blue Business℠ Plus Credit Card from American Express

Although the introductory 0 percent period is nice, don't let it lull you to sleep so much that you allow your balance to grow unchecked. You'll want to make a plan to pay off the balance before the intro period ends. Additionally, while the opportunity to earn two times the Membership Rewards® points on the first $50,000 spent annually is nice, if you know you'll spend well above that each year you could likely earn more rewards with a card that offers a higher spending cap for its highest rewards (that said, you'll probably pay an annual fee for those cards).

Additionally, if you spend more in specific categories, you won't be rewarded with The Blue Business℠ Plus Credit Card from American Express as much as you would with another card that offers higher rewards in particular categories.

How the The Blue Business℠ Plus Credit Card from American Express Compares to Other Small Business Credit Cards

The Blue Business℠ Plus Credit Card from American Express vs. Capital One® Spark® Cash Select for Business

Like The Blue Business℠ Plus Credit Card from American Express, Capital One® Spark® Cash Select for Business requires no annual fee; however, unlike The Blue Business℠ Plus Credit Card from American ExpressCapital One® Spark® Cash Select for Business offers a one-time $200 cash-back reward after you spend your first $3,000 within three months of opening your account.

Neither card limits you to spending categories just to earn rewards, and neither card lets your rewards expire (as long as your account remains open).

The $200 bonus offered by Capital One® Spark® Cash Select for Business is enticing, and, long-term you might earn more with this card since it offers a flat 1.5 percent cash back on all your purchases. Sure, you earn 2 percent back on the first $50,000 you spend each year on the American Express card, but that drops to 1 percent after that initial spend each year. If your business routinely spends well above the $50k threshold, you just might realize greater cash back with Capital One® Spark® Cash Select for Business.

The Blue Business℠ Plus Credit Card from American Express vs. Ink Business Cash℠ Credit Card

If you know you're going to spend a large amount in the first year with your new card, you'd be wise to explore the Ink Business Cash℠ Credit Card instead of The Blue Business℠ Plus Credit Card from American Express.

The Ink Business Cash℠ Credit Card from Chase allows you to earn 5 percent 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 (then, 1 percent). Plus, you'll earn 2 percent cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then, 1 percent), and 1 percent on all your other purchases.

The Ink Business Cash℠ Credit Card also offers a $500 cash bonus after you spend $3,000 in the first three months with your card, and there's no annual fee to worry about.

The Blue Business℠ Plus Credit Card from American Express vs. SimplyCash® Plus Business Credit Card from American Express

The SimplyCash® Plus Business Credit Card from American Express is another no-annual-fee card, but this one allows you to choose where you'll earn bonus rewards from among a list of eight categories, making this card a great option for small business owners who spend disproportionately in one of those categories. Terms apply. See Rates and Fees

First of all, you can earn 5 percent back on your wireless phone purchases with U.S. providers and on your U.S. office supply stores (up to the first $50,000 spent annually). You'll also earn 3 percent back on a category of your choosing from this list: airfare; hotel stays; car rentals from select companies; purchases at U.S. gas stations; purchases at U.S. restaurants; U.S. advertising; U.S. shipping; and U.S. computer-related purchases (up to $50,000 spent annually). At last, you'll earn 1 percent back on all your other purchases.

In other words, there's a lot of earning potential with the SimplyCash® Plus Business Credit Card from American Express, but you do have to ensure that you actually spend in the bonus categories in order to make this card work for you. Furthermore, this card does require you to keep up with categories and caps – if you'd prefer simpler earning structures, The Blue Business℠ Plus Credit Card from American Express could be a better choice.

Who Should Get This Card?

The Blue Business℠ Plus Credit Card from American Express is the perfect card for small business owners who want cash back as well as simplicity. With allowed spending above your credit limit, you have the flexibility you need to make decisions on the go for your business. The new entrepreneur or small business owner could find this card fits perfectly with their needs.


For rates and fees of American Express cards mentioned in this post, please see the following links: SimplyCash® Plus Business Credit Card from American Express (See Rates and Fees); The Blue Business℠ Plus Credit Card from American Express (See Rates and Fees)

This page was last updated on February 14, 2019

This card compared to other reward cards

Rewards
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
2 % Cash Back on every purchase, every day.
Bonus Rewards
N/A
Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Earn $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
Regular APR
13.49% - 21.49% Variable
18.24% - 23.24% Variable 
19.24% (Variable) 
Annual Fee
No annual fee
$95
$0 intro for first year; $95 after that
Rates and Fees
CardRatings.com Editorial Staff

The Blue Business℠ Plus Credit Card from American Express details

Purchase Intro
APR:
0% on purchases
Period:
15 months
Regular APR
13.49% - 21.49% Variable
Balance Transfer Intro APR
0% on balance transfers
Balance Transfer Intro Period
15 months
Annual Fee
No annual fee

What American Express says about this card

  • 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 15 months, then a variable rate, 13.49%, 17.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply

Credit Card Consumer Reviews:

  1. No reviews available for this card.   Be the first to review!

Write Consumer Reviews:





E-Mail will not be published









FIND THE
BEST CARD
FOR YOU
Select Your Credit Score:
(Ok to Guess)
Excellent
(720-850)
Good
(690-719)
Fair
(630-689)
Bad
(350-629)
None/Limited I don't Know
Apply online for Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
Credit Needed:
Excellent, Good
Apply online for Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Credit Needed:
Excellent, Good