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The Blue Business® Plus Credit Card from American Express review

Updated:

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27

reviews

3.6

Rating: 3.6 out of 5.

Great for financing business expenses

Annual Fee: $0

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.

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

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 32% 16% 21% 19% 13%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 32% 16% 21% 19% 13%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 32% 16% 21% 19% 13%

The average credit limit for members who have matched with this card or similar cards is $10,134, 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

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 1% 19% 15% 39% 26%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 1% 19% 15% 39% 26%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 1% 19% 15% 39% 26%

The average credit score for members who have matched with this card or similar cards is 697, with 806 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

26.7%

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.

$101,974

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

yesImage: yes

Offers a good introductory APR promotion on purchases

yesImage: yes

High rewards rate on purchases

yesImage: yes

No annual fee


ConImage: Con

Has 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 17.49% - 27.49%.

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.