American Express Blue Business Credit Card

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American Express Blue Business Credit Card

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  • $0 annual fee
  • 0% intro APR for 12 months
  • Double rewards for business-related expenses


  • Double rewards for business-related expenses
  • Expanded Buying Power feature
  • Free additional employee cards


American Express Blue Business Credit Card Summary

The American Express Blue Business Plus Credit Card comes with no annual fees, as well as a 0% intro APR offer that lasts for an entire year. The card requires a good credit score for approval, but does offer several advantages for business owners. Additional cards can also be ordered for employees without the need to pay extra fees.

The Blue Business Plus Credit Card from American Express offers 1% cashback is on standard purchases. For certain transactions made with this business credit card, double reward points are provided, but there is a cap on the amount of bonus cashback that can be earned. There is no welcome bonus that comes with the issuance of the card, however.

The card also offers an Expanded Buying Power feature, which allows the customer to exceed the credit limit applied to their account.


PROS:
  • $0 annual fee
  • 0% intro APR for 12 months
  • Double rewards for business-related expenses

CONS:
  • High credit score requirement of 690+
  • 2.7% foreign transaction fee
  • Cap placed on double point rewards


Best Features

For many business owners, the fact that the card comes with no annual fees is a great feature. This helps to save a significant amount in the long run, as some business credit cards can come with hefty annual fees.

The introductory offer that comes with the Blue Business Plus Credit Card from American Express is also a noteworthy benefit. The customer is provided an opportunity to make a purchase and Balance Transfer transactions with a 0% APR for the first 12 months after the card had been issued to them.

The card features a reward system that allows the business owner to gain cashback on all purchase transactions that are made with the product. Business purchases up to the value of $50,000 per year are awarded two Membership Reward Points per $1 that is spent with the card. After this cap has been reached, a single point is still awarded per $1 spent on all transactions.

Flexibility in terms of credit usage is also offered, as the customer is able to exceed the credit limit that was applied to their account.


Drawbacks

No welcome offer is provided with the issuance of the Blue Business Plus Credit Card from American Express. Additionally, customers should also note that American Express cards have limited acceptance compared to MasterCard and Visa.

Transactions made with the card may hold an APR of up to 21.24% after the introductory period had expired. The amount that the customer can exceed on their credit line is also limited, based on payment history and other factors.


Overall Summary

Individuals who are looking for a credit line that could help their business grow might find the $0 annual fee and the introductory offer that comes with the issuance of the Blue Business Plus Credit Card from American Express beneficial. On the other hand, the product does come with some potential disadvantages that potential customers who are looking for a valuable business credit card should take into close account. There is also no welcome offer, and the APR is variable, based on several factors, once the introductory period is over.


Who this card is best for

The Blue Business Plus Credit Card from American Express offers an ideal solution for professionals who own a small company and would like to add a credit line to its assets. Up to 99 employee cards can be used alongside the main account, and the product also seems attractive for those who want a business credit card that offers a cash back reward system.


 

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