Everything You Need to Know About Blue Business Plus: FAQ
The Blue Business Plus from American Express is one of the most competitive credit cards in the business credit cards category. With a rating of 7/10, it offers no annual fee and impressive rewards including 2x points on first $50,000/year, 1x after.
In this comprehensive review, we break down everything you need to know about the Blue Business Plus: rewards structure, fees, APR, welcome bonus, and how it compares to competitors. Whether you are looking for your first rewards card or adding to your wallet, this guide covers it all.
Blue Business Plus Overview
The Blue Business Plus is issued by American Express and is designed for consumers with Good-Excellent (670+). It carries a rating of 7/10 from our experts. For those with good to excellent credit, this card can be a valuable addition to your wallet.
| Feature | Details |
|---|---|
| Issuer | American Express |
| Annual Fee | $0 |
| Intro APR | 0% for 12 months |
| Regular APR | 19.24% - 27.24% Variable |
| Rewards | 2x points on first $50,000/year, 1x after |
| Welcome Bonus | N/A |
| Credit Score | Good-Excellent (670+) |
| Foreign Tx Fee | 0% |
Rewards & Benefits Breakdown
The Blue Business Plus earns 2x points on first $50,000/year, 1x after. Here is the detailed breakdown of earning rates:
| Category | Reward Rate |
|---|---|
| All Purchases | 2x points on first $50,000/year, 1x after |
| Welcome Bonus | N/A |
| Intro APR | 0% for 12 months |
| Credit Score | Good-Excellent (670+) |
Since this card has no annual fee, you can keep it forever without cost. Use it for travel to maximize value.
Fees & APR Analysis
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 19.24% - 27.24% Variable |
| Balance Transfer APR | 0% for 12 months then 19.24% - 27.24% Variable |
| Foreign Transaction Fee | 0% |
Blue Business Plus vs Competitors
See how Blue Business Plus stacks up against similar cards.
| Card | Fee | Rewards | Bonus | Rating |
|---|---|---|---|---|
| Bank of America Business Cash | $0 | 3% gas/office, 1% else | $500 after $5,000 in first 3 months | 7/10 |
| Chase Ink Business Cash | $0 | 5x office supplies/phone/internet, 2x gas | $750 bonus after $7,500 in first 3 mo... | 8/10 |
| Capital One Spark Cash Plus | $0 | 2% unlimited cash back | $1,000 bonus after $5,000 in first 3 ... | 8/10 |
| Chase Ink Business Unlimited | $0 | 1.5% unlimited | $750 after $7,500 in first 3 months | 8/10 |
| Capital One Spark Classic | $0 | 1% unlimited | N/A | 6/10 |
Pros & Cons
✅ Pros
- Competitive rewards rate: 2x points on first $50,000/year, 1x after
- Welcome bonus: N/A
- No annual fee
- No foreign transaction fees
- Generous intro APR: 0% for 12 months
❌ Cons
- Limited bonus categories
- May not suit heavy travelers
The Blue Business Plus is best for consumers who want a simple, no-fee card with solid rewards. If you have Good-Excellent (670+) credit and spend $1283/month on average, this card could earn you significant value.
How to Apply for Blue Business Plus
Applying for the Blue Business Plus is straightforward. Here is the step-by-step process:
- 1
Check Your Credit Score
Before applying, check your credit score. You need Good-Excellent (670+) for the best approval odds.
- 2
Compare Your Options
Compare the Blue Business Plus with similar cards from other issuers to ensure it is the right fit.
- 3
Gather Required Information
You will need your Social Security number, income information, and address to apply.
- 4
Complete the Online Application
Visit American Express.com or the American Express mobile app. The application takes about 5-10 minutes.
- 5
Await Approval Decision
Most applicants receive an instant decision. If approved, your card will arrive in 7-10 business days.
Frequently Asked Questions
You need Good-Excellent (670+) credit to be approved for the Blue Business Plus. Approval is not guaranteed and depends on your overall credit profile.
Yes, with no annual fee, this card is worth keeping in your wallet indefinitely.
The purchase APR is 19.24% - 27.24% Variable. There is an introductory APR of 0% for 12 months.
No, the Blue Business Plus does not charge foreign transaction fees, making it great for international travel.
Rewards can be redeemed through your American Express online account. Options typically include statement credits, gift cards, travel bookings, and direct deposits.
Conclusion
The Blue Business Plus is a solid choice in the business credit cards category. With no annual fee and competitive rewards, it offers good value for the right consumer.
We recommend this card for anyone with Good-Excellent (670+) credit looking for cash back on their everyday spending. Compare it with other cards in our list to find the best fit for your wallet.
The Blue Business Plus earns 2x points on first $50,000/year, 1x after. With a rating of 7/10, it is one of the better options in the business credit cards space. Recommended for consumers with Good-Excellent (670+) credit.