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The Blue Business® Plus Credit Card from American Express review
Great for financing business expenses
Annual Fee: $0
The average credit score for members who have matched with this card or similar cards is 697
The average credit limit for members who have matched with this card or similar cards is $10,152
Explore more about this card:
Here’s the average credit limit of members who matched their The Blue Business® Plus Credit Card from American Express or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $10,152, with $5,000 being the most common.
Here’s the average credit score of members who matched their The Blue Business® Plus Credit Card from American Express or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 697, with 816 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Member stats
Updated daily
27.1%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
47 years
Average age of members who matched this card or similar cards.
$103,287
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Pros and cons
Image: yesOffers a good introductory APR promotion on purchases
Image: yesHigh rewards rate on purchases
Image: yesNo annual fee
Image: ConHas a cap on certain rewards
The Blue Business® Plus Credit Card from American Express review
Updated November 11, 2024
This date may not reflect recent changes in individual terms.
Written by: Ben Luthi
What you should know about The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express is an excellent choice for small-business owners. Here’s what you should know.
Rewards program
The Blue Business® Plus Credit Card from American Express offers two Membership Rewards points on everyday business purchases you make on up to $50,000 per year. After that, you’ll earn one point per $1.
With this structure, you don’t have to worry about making sure your expenses align with your credit card’s bonus rewards categories. But if your business expenses far exceed the card’s $50,000 cap, it may not provide as much value as a card without a cap.
Introductory 0% APR
When you first get the card, you’ll receive a 0% introductory APR on purchases for 12 months from account opening. After that, your APR for purchases will be a variable rate, currently 16.74% - 26.74%.
Free employee cards
On top of the $0 annual fee for this card, American Express allows you to add employee cards for no extra fee. You can place spending limits on each card online or by calling customer service.
Who this card is good for
The Blue Business® Plus Credit Card from American Express has a straightforward offering, making it an excellent choice for new business owners and businesses that don’t have a lot of expenses.
With the introductory purchase APR, you can finance necessary startup costs and pay them off interest-free — so long as you pay off the balance in full and on time before the APR offer expires.
Between those savings and a high rewards rate on purchases before you hit the cap, the card could make up for what it lacks over time.
Not sure this is the card for you? Consider these alternatives.
If you’re uncertain whether The Blue Business® Plus Credit Card from American Express is the best fit for your business, compare it with other business credit cards on Credit Karma. Here are a few of our favorites.
- Ink Business Cash® Credit Card: We found that this card could be a good choice for business owners who have a big upcoming purchase, or who spend a lot on office supplies.
- Ink Business Preferred® Credit Card: If you’re a traveler, this card could help you get to your next trip faster with its flexible rewards program.
Member reviews
Most helpful positive review
May 18, 2024
One Best Cards out there
— Credit Karma Member
0% 12 months. Plus Point s Love it
Most helpful negative review
January 28, 2018
Not good at all!
— Credit Karma Member
American Express canceled my card when I set up direct deposit and my direct deposit didn't work for some reason. I even called American Express to give them another form of payment when I realized the payment wouldn't go through and they were not willing to take it. They said my card was cancelled because they couldn't secure funds from my direct deposit account and refused to take another card I had to make payment. I also gained alot of points from using the card when I was suppose to. I can't use those points to pay off my card now that its cancelled. They take the points that you earn away too. American Express does not care about the your life one mistake and they cut you off as if you meant nothing all along.