AmEx Blue Business® Plus Credit Card Review 2022

The Blue Business® Plus Credit Card is a top-tier credit card that offers the most benefits of any AmEx card. It features rewarding rewards, generous travel protection and insurance coverage, as well as powerful cashback bonuses.

The “amex blue business plus doctor of credit” is a credit card that offers a variety of benefits. This card has no annual fee and comes with many perks, such as roadside assistance and travel protections.

The American Express Blue Business® Plus is a great no-fee, low-interest credit card that gives you points for everything you buy, with no limits on what you may buy. This small company credit card offers increased purchasing power, allowing you to exceed your credit limit. It also has a 0% introductory rate for the first 12 months, as well as Bonus for new customers points.

American Express’s Blue Business® Plus Credit Card

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

2x points per $1 and a 0% introductory APR for the first 12 months

Apply Now

on American Express’s Blue Business® Plus Credit Card’s secure website.

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Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• Spend $3,000 in qualifying purchases on the Card during the first three months of Card membership to earn 15,000 Membership Rewards® points.
• On regular business expenditures like office supplies or client meals, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
• With Increased purchasing power, you have the ability to spend your Card above its credit limit*.
• *There is a limit on how much you may spend above your credit limit. It varies depending on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• For the first 12 months from the date of account establishment, there is a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other characteristics at account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• There is There is no yearly charge..
• Purchases and balance transfers get a 0% APR for 12 months.
• Bonus points for new customers
• Increased purchasing power
• Rewards at a set rate

Cons

• Cash advances are not permitted.
• There is no cost for international transactions.
• The amount of money you may spend to get 2x points is restricted at $50,000.

• If the original manufacturer’s warranty is shorter than two years, American Express will match the term of the guarantee. If the original manufacturer’s warranty is between 2 and 5 years, it offers an extra 2 years. Each year, coverage is capped at $10,000 per incident and $50,000 per account.
• Purchase Insurance: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you. The maximum coverage is $1,000 per event and $50,000 per account per year.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• Spend $3,000 in qualifying purchases on the Card during the first three months of Card membership to earn 15,000 Membership Rewards® points.
• On regular business expenditures like office supplies or client meals, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
• With Increased purchasing power, you have the ability to spend your Card above its credit limit*.
• *There is a limit on how much you may spend above your credit limit. It varies depending on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• For the first 12 months from the date of account establishment, there is a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other characteristics at account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• There is There is no yearly charge..
• Purchases and balance transfers get a 0% APR for 12 months.
• Bonus points for new customers
• Increased purchasing power
• Rewards at a set rate

Cons

• Cash advances are not permitted.
• There is no cost for international transactions.
• The amount of money you may spend to get 2x points is restricted at $50,000.

• If the original manufacturer’s warranty is shorter than two years, American Express will match the term of the guarantee. If the original manufacturer’s warranty is between 2 and 5 years, it offers an extra 2 years. Each year, coverage is capped at $10,000 per incident and $50,000 per account.
• Purchase Insurance: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you. The maximum coverage is $1,000 per event and $50,000 per account per year.

Do you want to compare the attributes of two cards? We’ve made it simple for you to do so! To add up to three cards to your basket, just check them off on this page. You’ll be able to compare the information in a side-by-side comparison this way.

How Do We Assess Business Credit Cards With Low Interest Rates?

The introductory and continuing APRs are the most essential criterion when rating a low-interest credit card like the American Express Blue Business® Plus credit card. We also consider the card’s extra features, recurring benefits, and Bonus for new customerses.

Who Should Apply for the American Express Blue Business® Plus Credit Card?

Because of its simple rewards points, the American Express Blue Company Plus was deemed the best overall small business credit card in our Best Small Business Credit Card Guide.

• Owners of businesses with yearly costs of less than $50,000: The American Express Blue Business® Plus Credit Card gives you two points for your first $50,000 in expenditures each year, and one point for everything after.
• Business owners who need to spend over their credit limits: This American Express business credit card lets you spend beyond your credit limit through its Increased purchasing power feature.

Credit Card Fees + American Express Blue Business®

• Introductory APR: Purchases are tax-free. for the first 12 months
• Ongoing Annual Percentage Rate (APR): 13.49 percent to 21.49 percent variable, based on prime rate.
• There is no yearly charge.
• Fee for balance transfers: $5 or 3% of the transfer amount, whichever is larger.
• After conversion to US dollars, 2.7 percent of each transaction is charged as a foreign transaction fee.
• Cash advance fee: Cash advances are not permitted.

Rewards with the American Express Blue Business® Plus Credit Card

• Spend $3,000 in qualifying purchases on the card during the first three months of enrollment to earn 15,000 Membership Rewards® points.
• Every year, you’ll get double points on your first $50,000 in purchases.
• After that, you’ll get 1 point for every dollar you spend.

Purchases made with American Express Travel, Amazon.com, Ticketmaster, Best Buy, and other stores may be paid for using points. You may transfer points to American Express partner reward programs, such as airline and hotel loyalty programs. You may also use points to pay for cab fares in New York City (including tips) or to purchase gift cards from a range of stores.

Features of the American Express Blue Business® Plus Credit Card

Increased purchasing power

The American Express Blue Business® Plus credit card lets you spend beyond your credit limit through the Increased purchasing power feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.

Purchase Insurance

Items bought with the American Express Blue Business® Plus credit card are insured for damage or theft up to 120 days after purchase, or 90 days if you live in New York. Up to $1,000 per claim and $50,000 per cardmember each year, American Express will refund you for the amount charged to your qualifying card. Perishable commodities, motorized vehicles, tickets, leased items, medical equipment, and permanent fixtures are not covered.

Assistance on the Road

American Express provides a 24-hour Assistance on the Road hotline that can send help in an emergency, including services, 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 aren’t covered. The Assistance on the Road hotline doesn’t cover rental vehicles, taxis, unlicensed vehicles, and tractors and trucks that weigh more than 10,000 pounds.

Protection under the Extended Warranty

For goods with original manufacturer warranties of less than five years, American Express offers an extended warranty to cardholders. For goods with original warranties of less than two years, it will match the guarantee term and offer an extra two years if the original warranty is between two and five years. This coverage is restricted to $10,000 per claim, with a total annual maximum of $50,000 per cardmember account.

Insurance for Travel Accidents

If you die or lose a limb, sight, speech, or hearing as a result of a travel accident, American Express will pay you up to $100,000. If the total trip ticket has been charged to your American Express credit card, you are eligible. Self-inflicted injuries, certain diseases, bodily or mental disability, and injuries sustained while or as a consequence of commuting are not covered.

Plan for Baggage Insurance

The replacement cost of luggage and carry-on goods while in direct transit from a terminal is covered up to $1,250 by American Express, and each insured person’s checked baggage is covered up to $500. It will also cover high-risk products up to $250. To be eligible, the trip must be paid in full with your American Express Blue Business® Plus credit card.

Car Rental Loss & Damage Insurance

For the first 30 days of a vehicle rental, loss and damage insurance of up to $50,000 per rental agreement is given. The coverage excludes confiscation by authorities, manufacture faults, deliberate damage by an authorized driver, wear and tear, theft of or damage to tires, and damage caused by freezing.

Tools for Account Management

The American Express Blue Business® Plus credit card comes with Tools for Account Management 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 controlling employee spending. The Connect to QuickBooks tool will transfer your transaction data automatically to your QuickBooks account.

Pros & Cons Explained

American Express Blue Business® Plus Credit Card Advantages

• There is There is no yearly charge..: You can minimize your overall credit card cost because the American Express Blue Business® Plus Credit Card doesn’t charge annual fees.
• 0% APR for 12 months: If you’re planning a big purchase, you may get 12 months of interest-free credit.
• After spending $3,000 on purchases within the first three months of creating an account, you may receive 15,000 membership rewards points.
• Increased purchasing power: You can spend beyond your credit limit when you need to.
• Rewards at a set rate: You can earn a fixed-rate reward of 2x points on the first $50,000 in purchases per year, then 1x point thereafter, regardless of spending categories.

Contrary to popular belief, the American Express Blue Business® Plus Credit Card has several drawbacks.

• Cash advances are not permitted: The American Express Blue Business® Plus Credit Card does not permit cash advances, which is a drawback for people who need them on a regular basis.
• There is no cost for international transactions.: For purchases made outside of the US, you need to pay a foreign transaction fee of 2.7% of each transaction after conversion to US dollars—this is a disadvantage if you travel frequently.
• The amount of money you may spend to get 2x points is restricted at $50,000.: The premium reward of 2x points on all business-related purchases is capped at $50,000 per year. Purchases in excess of $50,000 within a year will earn only 1x points.

Alternatives to the American Express Blue Business® Plus Credit Card

Business Preferred® by Chase Ink

The Business Preferred® by Chase Ink is an excellent alternative if you prefer a travel rewards credit card that offers zero foreign transaction fees. Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®. It’s important to note that this business credit card doesn’t offer a 0% introductory APR.

Credit Card Ink Business Preferred®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel rewards while paying a smaller annual charge

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Chase’s Protected Website

Compare with

APR on a regular basis

Variable between 15.99 and 20.99 percent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

APR on a regular basis

Variable between 15.99 and 20.99 percent

Credit is required.

Good, Excellent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

Blue Business CashTMCard from American Express

The American Express Blue Business CashTM Card is a wonderful alternative if you prefer cash back benefits than points. You may receive 2% cash back on all qualified purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically. The American Express Blue Business® Plus Credit Card has the same features and advantages.

The American Express Blue Business CashTM Card is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Apply Now

on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.

Compare with

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Increased purchasing power.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• For the first 12 months after account creation, you’ll get a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is There is no yearly charge..

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Increased purchasing power: Enjoy flexible buying power, when your business needs it. Increased purchasing power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn’t unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Increased purchasing power.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• For the first 12 months after account creation, you’ll get a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is There is no yearly charge..

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Increased purchasing power: Enjoy flexible buying power, when your business needs it. Increased purchasing power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn’t unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Capital One® Spark® Cash Plus is a credit card offered by Capital One®.

The Capital One® Spark® Cash Plus is a credit card offered by Capital One®. card is designed for business owners with excellent credit who can pay their balance in full every month. This pay-in-full card offers unlimited 2% cash back rewards on all business-related purchases and doesn’t have preset spending limits. Your credit limit adapts to your needs based on your spending behavior, payment history, and credit profile.

Capital One® Spark® Cash Plus is a credit card offered by Capital One®. Card

Businesses that seek buying power and the ability to pay off their debts in full each month.

Apply Now

Capital One’s Protected Website

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APR on a regular basis

None. Because your debt is payable in whole every month, there is no APR. Otherwise, you’ll be charged a monthly late fee of 2.99 percent.

• Earn an unlimited 2% cash back for your company on every transaction, anywhere, with no limitations or restrictions on categories.
• In the first six months, you may earn up to $1,000; $500 if you spend $5,000 in the first three months, and $500 if you spend $50,000 in the first six months.
• Every year you spend $200,000 or more, you’ll get a $200 cash bonus.

Pros

• There is no predetermined spending limit.
• Bonus money of up to $1,000
• On all purchases, you’ll get a flat rate of 2% cash back.
• Possibility of receiving a yearly cash bonus

Cons

• An yearly charge is required.
• Every month, you must pay in full.
• Excellent credit is required.

• Foreign transaction fees are not charged on purchases made outside of the United States.
• $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance
• Assistance on the Road: Emergency services such as jump-starting, tire changing, and towing

APR on a regular basis

None. Because your debt is payable in whole every month, there is no APR. Otherwise, you’ll be charged a monthly late fee of 2.99 percent.

• Earn an unlimited 2% cash back for your company on every transaction, anywhere, with no limitations or restrictions on categories.
• In the first six months, you may earn up to $1,000; $500 if you spend $5,000 in the first three months, and $500 if you spend $50,000 in the first six months.
• Every year you spend $200,000 or more, you’ll get a $200 cash bonus.

Pros

• There is no predetermined spending limit.
• Bonus money of up to $1,000
• On all purchases, you’ll get a flat rate of 2% cash back.
• Possibility of receiving a yearly cash bonus

Cons

• An yearly charge is required.
• Every month, you must pay in full.
• Excellent credit is required.

• Foreign transaction fees are not charged on purchases made outside of the United States.
• $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance fraud liability: Emergency replacement card for lost or stolen card plus cash advance
• Assistance on the Road: Emergency services such as jump-starting, tire changing, and towing

Conclusion

For company owners that need to spend more than their credit limit, the American Express Blue Business® Plus credit card is the perfect option. This low-interest, points-based rewards credit card is also a good choice for companies with yearly costs around $50,000. If this card isn’t the best match for you, check out our Credit Card Marketplace for a list of alternative business credit cards.

The “american express blue business plus approval” is a credit card that has a high annual fee and low rewards.

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