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Features of the American Express® Blue Business® Plus Credit Card

  • Membership Rewards Points Structure: The American Express® Blue Business® Plus Credit Card offers a simple yet powerful rewards program designed for small business owners. Cardholders earn 2X Membership Rewards® points on the first $50,000 in eligible purchases per calendar year, and 1X point thereafter. This flat-rate earning system is ideal for businesses that want to accumulate points without tracking rotating categories.
    • Earn 2X points on everyday business expenses up to $50,000 annually.
    • Earn 1X point per dollar on purchases beyond the $50,000 cap.
    • Points can be redeemed for travel, gift cards, statement credits, or transferred to airline and hotel loyalty partners.
  • Welcome Offer: New cardholders can earn a 15,000 Membership Rewards® points welcome bonus after spending $3,000 on eligible purchases within the first three months of card membership.
    • This bonus is valued at approximately $300 when transferred to travel partners, based on February 2025 valuations by The Points Guy.
    • The spending requirement is achievable for most small businesses, making it a compelling incentive.
    • Only eligible purchases count toward the $3,000 threshold; fees and ineligible transactions do not qualify.
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    • Point Redemption Options: Membership Rewards points are highly flexible, allowing redemption for travel, gift cards, statement credits, shopping at partner retailers (e.g., Amazon, Walmart), or transferring to 21 travel partners (18 airlines and three hotels). Transferring points to partners often yields the highest value, with potential returns exceeding 2 cents per point for strategic redemptions, such as international business class flights. For example, transferring points to airline partners like Delta or hotel programs like Hilton can unlock premium travel experiences.
    • 0% Intro APR on Purchases: The card offers a 0% introductory APR on purchases for the first 12 months from the account opening date, followed by a variable APR of 17.49% to 27.49%, based on creditworthiness and market conditions (APR capped at 29.99%). This feature is particularly beneficial for businesses planning significant purchases, as it allows them to carry a balance interest-free for a year, aiding cash flow management.
    • Up to 99 Employee Cards: The card allows businesses to add up to 99 employee cards at no additional cost, enabling owners to delegate spending while earning rewards on employee purchases. Each employee card earns 2X points on eligible purchases (up to the $50,000 cap), amplifying the rewards potential. Businesses can set individual spending limits for each employee card, enhancing control over expenses.
    • Expense Management Tools: American Express provides tools like Account Manager and Spend Manager, which streamline expense tracking. Account Manager allows trusted individuals to manage transactions, while Spend Manager enables users to add notes and receipts to transactions via mobile or desktop. The card also integrates with QuickBooks, simplifying accounting by automatically categorizing transactions. A year-end spending summary further aids in tax preparation and financial planning.
    • Car Rental Loss and Damage Insurance: The card includes secondary car rental loss and damage insurance, covering up to $50,000 for theft or damage to most rental vehicles when the rental is paid with the card and the collision damage waiver is declined. This benefit is valuable for businesses requiring frequent travel, though it excludes certain vehicle types and has geographic restrictions.
    • Purchase Protection: Purchase Protection covers eligible purchases against theft or accidental damage for up to 90 days from the purchase date, with coverage limits of $1,000 per occurrence and $50,000 per account per year. This feature provides peace of mind for businesses purchasing high-value items like electronics or office equipment.
    • Extended Warranty: The Extended Warranty benefit extends manufacturer warranties of five years or less by up to one additional year on eligible purchases made with the card. This is particularly useful for businesses investing in durable goods, ensuring longer protection without additional cost.
    • Global Assist Hotline: The Global Assist Hotline offers 24/7 support for cardholders traveling more than 100 miles from home, providing assistance with emergencies like lost passports or medical referrals. While not as comprehensive as premium card travel benefits, it’s a valuable perk for small business owners who travel occasionally.
    • Amex Offers: Cardholders gain access to Amex Offers, targeted promotions that provide cash back or bonus points for purchases with specific merchants. Enrollment is required, but these offers can yield significant savings, especially for businesses with diverse spending patterns.
    • No Annual Fee: The card has no annual fee, making it cost-effective for small businesses looking to maximize rewards without recurring costs. This feature is particularly appealing for startups or side hustles with limited budgets.
    • Foreign Transaction Fees: A notable drawback is the 2.7% foreign transaction fee on purchases made outside the U.S., which may deter businesses with significant international spending from using this card abroad. The Blue Business Plus Credit Card’s features make it a compelling choice for small businesses seeking simplicity, flexibility, and value. Its rewards structure, spending flexibility, and no-annual-fee design cater to a wide range of business needs, though businesses with high spending or frequent international transactions may need to consider complementary cards.
Premier Card Benefits

Benefits of the American Express® Blue Business® Plus Credit Card

  • 1. Financial Flexibility:
    • The American Express® Blue Business® Plus Credit Card offers a 0% introductory APR on purchases for 12 months. This helps businesses finance large purchases without interest, improving cash flow for investments such as equipment, inventory, or marketing campaigns.
    • After the intro period, the variable APR ranges from 17.49% to 27.49%, which remains competitive and affordable for responsible users.
  • 2. No Annual Fee:
    • The absence of an annual fee is especially beneficial for small businesses or startups operating on tight budgets. This allows businesses to enjoy rewards and protections without recurring costs, maximizing long-term value.
    • High-Value Membership Rewards Points: The card’s 2X points on the first $50,000 in annual purchases translate to a 4% return on spending (based on 2 cents per point valuations), which is exceptional for a no-annual-fee card.
    • Welcome Offer Value: The 15,000-point welcome offer (after spending $3,000 in three months) provides immediate value, equivalent to $150–$300 depending on redemption.
    • Amex Offers Savings: Amex Offers provide targeted discounts or bonus points at popular merchants, such as retailers, restaurants, or software providers.
    • Employee Card Benefits: The ability to add up to 99 employee cards at no cost is a major advantage. Businesses can distribute cards to employees for work-related expenses, earning 2X points on all purchases (up to $50,000).
    • Accounting Integration: Integration with QuickBooks and tools like Spend Manager and Account Manager simplifies expense tracking and reporting. Spend Manager allows users to attach receipts and notes to transactions.
    • Purchase Protection: The Purchase Protection benefit safeguards eligible purchases against theft or accidental damage for up to 90 days, with coverage up to $1,000 per occurrence and $50,000 per account annually.
    • Extended Warranty: The Extended Warranty extends manufacturer warranties by up to one year on eligible purchases with warranties of five years or less.
    • Car Rental Insurance: Secondary car rental loss and damage insurance covers up to $50,000 for theft or damage to rental vehicles, provided the rental is paid with the card and the collision damage waiver is declined.
    • Global Assist Hotline: The Global Assist Hotline provides 24/7 support for cardholders traveling over 100 miles from home, offering help with emergencies like lost luggage or medical referrals.
    • Travel Rewards Potential: The card’s Membership Rewards points are particularly valuable for travel. With 21 transfer partners, including airlines like British Airways and hotels like Marriott, cardholders can maximize point value.
    • Straightforward Rewards Structure: The card’s 2X points on all purchases (up to $50,000) eliminates the need to track bonus categories, making it easy for busy entrepreneurs to earn rewards.
    • Wide Acceptance: American Express is accepted at 99% of U.S. merchants that take credit cards, ensuring cardholders can use it for most business expenses, from office supplies to vendor payments.
    • Limitations to Consider: While the card offers numerous benefits, the 2.7% foreign transaction fee can be a drawback for businesses with international spending.
    • Overall Value Summary: The Blue Business Plus Credit Card’s benefits make it an excellent choice for small businesses seeking cost-effective rewards, financial flexibility, and practical tools.
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How to Apply for the American Express® Blue Business® Plus Credit Card

  • Preparing for the Application
    • Check Your Credit Score: Before applying, verify your personal credit score, as American Express typically requires a FICO score of 670 or higher (good to excellent credit) for approval. You can check your score through free services like Credit Karma or Experian. A higher score increases your chances of approval and may result in a higher credit limit.
    • Assess Business Eligibility: Ensure you own a business, as this card is designed for business use. American Express considers sole proprietorships, LLCs, corporations, and partnerships. Even side hustles or freelance work qualify as businesses. Gather details about your business, including its legal structure, annual revenue, and years in operation, as these will be required during the application.
  • Gather Required Information
    • Personal Information: Full name, Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), home address, and contact details.
    • Business Information: Business name, address, phone number, industry type, company structure, years in business, number of employees, annual revenue, and Employer Identification Number (EIN) or SSN for sole proprietors.
  • Application Process
    • Visit the American Express Website: Go to the official American Express website and navigate to the Blue Business Plus Credit Card page. Alternatively, use a trusted third-party site like The Points Guy or NerdWallet, which may offer links to elevated welcome offers. Ensure you’re on a secure site to protect your information.
    • Check for Pre-Approval: While American Express does not offer pre-approval for this card directly, you can use tools like the CardMatch Tool on CreditCards.com to check for pre-qualified offers. These tools perform a soft credit pull, which doesn’t impact your score, and may indicate your eligibility or potential for a higher welcome offer.
    • Complete the Online Application:
      • Select the Card: Click “Apply Now” on the Blue Business Plus page.
      • Enter Personal Information: Provide your name, SSN/ITIN, address, phone number, and email.
      • Enter Business Information: Input your business name, address, EIN (or SSN for sole proprietors), industry, revenue, and estimated monthly spending.
      • Review Terms: Read the card’s terms, including APR, fees, and rewards details.
      • Submit Application: Double-check all information for accuracy, as errors can lead to delays or rejection. Submitting false information is a federal offense.
    • Monitor for Welcome Offer Eligibility: During the application, American Express may display a pop-up indicating whether you’re eligible for the welcome offer (15,000 points after spending $3,000 in three months). Eligibility may be restricted if you’ve held this card or other Amex cards previously, based on internal factors like your credit history or number of Amex cards opened.
  • Post-Application Steps
    • Await Approval Decision: American Express typically provides an instant decision, but some applications may require further review, taking up to 30 days. You’ll receive an email or letter confirming approval, denial, or a request for additional information. If approved, your card will arrive within 7–10 business days.
    • Verify and Activate: Upon receiving the card, verify the details (name, card number) and activate it online or by calling the number on the card. Set up an online account to manage payments, track rewards, and access Amex Offers.
    • Meet the Welcome Offer Requirement: To earn the 15,000-point welcome offer, spend $3,000 on eligible purchases within three months. Eligible purchases include most business expenses but exclude cash advances, balance transfers, and fees. Plan your spending strategically, such as using the card for office supplies, advertising, or travel, to meet the threshold.
  • Tips for a Successful Application
    • Improve Your Credit Score: If your credit score is below 670, take steps to improve it before applying:
      • Pay down existing credit card balances to lower your credit utilization ratio.
      • Ensure all payments are made on time to avoid negative marks.
      • Avoid applying for multiple credit cards simultaneously, as this can lower your score.

Eligibility Criteria for the American Express® Blue Business® Plus Credit Card

  • Age Requirement: Applicants must be at least 18 years old to apply for the card. This ensures legal responsibility for the account and compliance with credit card regulations.
  • U.S. Residency: A physical U.S. address (no P.O. boxes) is required, as American Express only issues this card to U.S. residents. Applicants must provide a valid residential address for verification purposes.
  • Social Security Number or ITIN: Applicants need a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) to verify identity. This is standard for credit card applications and ensures compliance with U.S. financial regulations.
  • Creditworthiness
    • Personal Credit Score: American Express recommends a FICO score of 670 or higher (good to excellent credit) for the Blue Business Plus. While there’s no strict minimum, a score below 670 may reduce approval odds or result in a lower credit limit. The score is evaluated using the FICO Score 8 model or similar variations.
    • Credit History: A clean credit history with no recent payment defaults or bankruptcies is essential. American Express reviews your credit report for late payments, high credit utilization, or derogatory marks. A history of responsible credit use (e.g., timely payments, low balances) significantly boosts approval chances.
    • Debt-to-Income Ratio: The debt-to-income (DTI) ratio, which compares monthly debt payments to income, is considered. A lower DTI (ideally below 36%) indicates financial stability and increases approval likelihood. High debt levels relative to income may lead to rejection.
  • Business Ownership: Applicants must own a business, which can include sole proprietorships, LLCs, partnerships, or corporations. Even freelancers or side hustlers qualify, as American Express has a broad definition of “business.” No formal business registration is required for sole proprietors.
  • Business Revenue: While there’s no specific minimum revenue requirement, American Express evaluates annual business revenue to assess financial health. New businesses with no revenue may still qualify if the applicant has sufficient personal income or assets. Providing realistic revenue estimates is crucial, as inflated figures may raise red flags.
  • Employer Identification Number (EIN): Businesses with an EIN must provide it during the application. Sole proprietors can use their SSN instead. The EIN or SSN helps American Express verify the business’s legitimacy and tax status.
  • Years in Business: There’s no minimum requirement for years in business, making the card accessible to startups. However, established businesses with a longer history may have an advantage, as American Express considers operational stability.
  • Existing Amex Cardholder Status: American Express limits cardholders to five credit cards (personal and business combined) at a time. Applicants nearing this limit may face rejection. Additionally, those who have held the Blue Business Plus previously may be ineligible for the welcome offer due to Amex’s once-per-lifetime rule.
  • Payment History with Amex: If you’re an existing Amex cardholder, your payment history with the company is heavily weighted. Consistent on-time payments improve approval odds, while late payments or defaults on other Amex cards can lead to denial.
  • Number of Recent Credit Applications: Multiple recent credit card applications (within the past 90 days) can signal financial distress, lowering approval chances. American Express also considers the total number of credit cards you own, as excessive accounts may indicate overextension.
  • Improve Credit Profile: If your credit score is below 670, take steps to improve it:
    • Pay down credit card balances to reduce utilization below 30%.
    • Dispute any errors on your credit report through bureaus like Equifax or TransUnion.
    • Avoid new credit inquiries before applying.
  • Strengthen Business Profile: For new businesses, emphasize personal income and assets to compensate for limited revenue. Established businesses should highlight consistent revenue and operational history to demonstrate stability.
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Documents Required for the American Express® Blue Business® Plus Credit Card

  • Personal Identification Documents:
    • Driver’s License: Must be valid, unexpired, and show your full name and address.
    • Passport: A U.S. or international passport (for U.S. residents).
    • State ID: An alternative to a driver’s license or passport.
  • Proof of Address:
    • Utility Bill: Recent bill (within 60 days) showing your name and address.
    • Bank or Credit Card Statement: Showing your name and current address.
    • Lease or Mortgage Agreement: Signed document with your residential address.
  • Business Verification Documents:
    • Employer Identification Number (EIN): Provide your IRS confirmation letter (CP 575).
    • Articles of Incorporation/Organization: For LLCs and corporations.
    • Business License: Issued by a state or local agency.
    • DBA Certificate: If operating under a "Doing Business As" name.
    • Business Utility Bill
    • Commercial Lease Agreement
    • Business Bank Statement
  • Income Verification:
    • Pay Stubs: Recent (within 30–60 days) for salaried individuals.
    • Tax Returns: Recent federal returns, especially for self-employed applicants.
    • Bank Statements: Showing regular income deposits.

    Business Revenue Documents:

    • Profit and Loss Statement
    • Business Tax Returns (e.g., Schedule C, Form 1120)
    • Business Bank Statements
  • Additional Documents (If Requested):
    • Financial Statements: Balance sheets or cash flow statements.
    • Invoices or Contracts: To verify business activity.
    • Business Website or Promotional Materials
    • Business Plan: Especially for startups.
  • Tips for Document Preparation:
    • Organize documents in advance and ensure clarity and legibility.
    • Verify consistency across documents (e.g., name, address, EIN).
    • Be ready for additional document requests and respond promptly.

Factors Influencing Approval for the American Express® Blue Business® Plus Credit Card

  • Personal Credit Score: A FICO score of 670 or higher is preferred. A strong score indicates financial responsibility and may lead to higher credit limits. Lower scores may result in denial or reduced limits.
  • Credit History: Includes payment history, credit utilization (ideally below 30%), and length of credit history. Responsible usage improves approval chances.
  • Debt-to-Income Ratio: A DTI below 36% is ideal. High existing debt can signal financial strain, reducing approval chances. Paying down debt can help.
  • Annual Business Revenue: Higher revenue indicates stability and supports approval. Startups can use personal income if business income is limited.
  • Business Age and Stability: Older, stable businesses are favored. Startups need to demonstrate operational activity and financial backing.
  • Industry Type: Lower-risk industries (e.g., consulting) are favored. High-risk sectors may face stricter evaluation.
  • Existing Amex Accounts: Positive history with Amex improves approval odds. Missed payments or high utilization on other Amex cards can harm chances.
  • Number of Amex Cards: Amex limits users to five credit cards (across personal and business). Applicants nearing this cap may be denied.
  • Recent Credit Inquiries: Multiple hard pulls within 90 days reduce approval odds. Avoid applying for multiple credit products at once.
  • Accuracy of Application: Ensure all details are correct—income, address, business data. Inaccuracies may lead to verification delays or rejections.
  • Frequency of Amex Applications: Repeated applications in a short period may raise red flags. Wait at least 90 days between applications.
  • Economic Conditions: During downturns, Amex may raise approval standards. Strong profiles are essential during such periods.
  • Amex Internal Policies: Proprietary criteria like prior welcome bonus use, balance transfers, and card closures can affect approval but aren’t publicly disclosed.
  • Strategies to Improve Odds: Lower your credit utilization, ensure timely payments, correct credit report errors, and highlight business stability. Start with an easier Amex card to build history if needed.
  • Business Credit Profile: A separate business credit score and history (if available) can influence approval positively.
  • Use of Personal Guarantee: Many small business cards, including this one, require a personal guarantee, linking your personal credit to the business credit card.
  • Cash Flow Stability: Regular, predictable cash flow signals ability to repay, improving approval chances.
  • Existing Business Debt: High levels of existing business loans or credit lines may impact your ability to get approved.

Frequently Asked Questions (FAQs) – American Express® Blue Business® Plus Credit Card

1. What is the American Express® Blue Business® Plus Credit Card?
The American Express® Blue Business® Plus Credit Card is a small business credit card that offers Membership Rewards® points on everyday purchases. It is designed for business owners looking to earn rewards while managing cash flow with flexible payment options.
2. What are the main benefits of this credit card?
The card offers 2X Membership Rewards® points on everyday business purchases (up to $50,000 per year, then 1X), no annual fee, expense management tools, and access to Amex Offers. It also features Expanded Buying Power, allowing eligible purchases beyond your credit limit.
3. Is there an annual fee for this card?
No, there is no annual fee for the American Express® Blue Business® Plus Credit Card, making it a great option for small businesses looking to save on costs.
4. What is the rewards structure of the card?
You earn 2X Membership Rewards® points on eligible purchases up to $50,000 per calendar year. After that, you earn 1X point per dollar on all other purchases.
5. Are there any welcome offers or bonuses?
Welcome offers may vary over time. Typically, American Express may offer a bonus for spending a certain amount within the first few months. Check the current offer on the official American Express website or through your invitation.
6. What is Expanded Buying Power and how does it work?
Expanded Buying Power lets you spend beyond your credit limit to help with larger purchases. The amount you can exceed depends on your use of the card, payment history, credit record, and other factors.
7. Can I carry a balance on the card?
Yes, you can carry a balance on certain eligible purchases. However, it's important to pay at least the minimum due to avoid late fees and interest charges.
8. Does this card charge foreign transaction fees?
Yes, the American Express® Blue Business® Plus Credit Card charges a 2.7% foreign transaction fee on purchases made outside of the United States.
9. Can I add employee cards to my account?
Yes, you can add employee cards at no additional cost. You’ll also be able to set individual spending limits and track employee expenses through your account.
10. What kind of business is this card best suited for?
This card is ideal for small business owners or freelancers who make frequent purchases and want to earn rewards without paying an annual fee. It’s especially useful for those who spend less than $50,000 per year.
11. Is this a charge card or a credit card?
This is a credit card with a preset spending limit, but it includes features like Expanded Buying Power that work similarly to a charge card for qualified purchases.
12. How do I redeem Membership Rewards® points?
You can redeem your points for travel, gift cards, shopping (including Amazon), statement credits, and more through the American Express Membership Rewards® portal.
13. What credit score is recommended for approval?
American Express typically looks for good to excellent credit — a score of around 700 or higher is often recommended for better chances of approval.
14. Does the card offer purchase protection or extended warranty?
Yes, this card comes with Purchase Protection for eligible items (up to 90 days from the purchase date) and Extended Warranty coverage, which adds an extra year to the manufacturer’s warranty on eligible purchases.
15. How can I apply for the American Express® Blue Business® Plus Credit Card?
You can apply directly through the American Express website. You’ll need to provide information about your business, such as legal name, business type, annual revenue, and estimated monthly spending.