Amex Blue Business Plus review: No-annual-fee business credit card


This article is dropped at you by the Personal Finance Insider staff. It has not been reviewed, accredited, or in any other case endorsed by any of the issuers listed. Some of the gives you see on this web page are from our companions, like Citi and American Express, however our protection is at all times impartial.

Regular APR

13.24% to 19.24% variable APR

Intro APR

zero% intro APR on purchases for the primary 12 months from account opening

Chevron iconIt signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

  • Details
  • Pros & Cons

    • Earn 2X Membership Rewards® factors on on a regular basis business purchases akin to workplace provides or consumer dinners. 2X applies to the primary $50,000 in purchases per 12 months, 1 level per greenback thereafter.
    • Enjoy the flexibleness to place extra purchases on the Card and earn rewards if you purchase above your credit restrict*.
    • You’ve acquired the facility to make use of your Card past its credit restrict* with Expanded Buying Power.
    • More shopping for energy to your business means extra alternatives to earn factors. That’s on a regular basis business with the Blue Business Plus Card.
    • *The quantity you may spend above your credit restrict will not be limitless. It adjusts along with your use of the Card, your fee historical past, credit file, monetary assets recognized to us, and different elements.
    • zero.zero% intro APR on purchases for 12 months from the date of account opening, then a variable price, 13.24% – 19.24%, primarily based in your creditworthiness and different elements at account opening.
    • No Annual Fee
    • Terms Apply
    Pros
    • The price no-annual-fee card to earn Amex Membership Rewards factors
    • Solid incomes price on the primary $50,000 in purchases annually
    Cons
    • For spending above $50,000 annually, you will not earn bonus factors with this card
    • No welcome bonus


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    If you need a card that pays you again in useful rewards factors with no annual price, The Blue Business® Plus Credit Card from American Express is a superb alternative. The card earns 2 American Express Membership Rewards factors per greenback on all purchases as much as $50,000 per calendar 12 months and 1x level from there on. Even extra, this card has advantages typically reserved for simply the elite tiers of journey rewards credit playing cards with excessive annual charges.

    While the rewards and advantages do not stand as much as the $595-per-year The Business Platinum Card® from American Express, the rewards and advantages are fairly compelling for a card with no annual price. 

    Bottom line: If you are in search of one thing with low prices, no hassles, and nice journey rewards, the Blue Business Plus is a wonderful card to your small business wants.

    We’re targeted right here on the rewards and perks that include every card. These playing cards will not be value it should you’re paying curiosity or late charges. When utilizing a credit card, it is necessary to pay your stability in full every month, make funds on time, and solely spend what you may afford to pay.

     

      The Blue Business® Plus Credit Card from American Express Ink Business Preferred® Credit Card Capital One® Spark® Miles for Business
    Annual price $zero $95 $95 (waived the primary 12 months)
    Rewards price 2x factors on the primary $50ok spent every calendar  12 months (then 1x)

    3x factors on the primary $150ok in mixed spending on journey, delivery purchases, web, cable, and cellphone companies, and promoting purchases made with social media websites and serps annually (then 1x)

    1x on every part else

    2x miles on each buy
    Welcome bonus Earn as much as $300 in assertion credit (as much as $100 every with Dell, DocuSign, and FedEx) after you make eligible purchases within the first three months from account opening

    100ok Chase Ultimate Rewards factors after you spend $15ok within the first three months from account opening

    50ok miles after you spend $four,500 within the first three months from account opening
      Learn More Learn More Learn More

    When redeemed for journey, Amex Membership Rewards factors are value about 2 cents every on common, so 100,000 factors per 12 months is value about $2,000 towards journey relying on the way you guide.

    Membership Rewards factors are redeemable for journey immediately via the American Express journey portal, or you may switch to some airline and resort companions at a 1:1 ratio for even higher redemption worth in some instances.

    Points may also be redeemed for an announcement credit (that works like money again) and a few purchases, however one of the best worth sometimes comes from utilizing your factors for journey.

    The Blue Business® Plus Credit Card from American Express comes with a set of advantages commonest for playing cards with a $100+ annual price. Those embrace useful journey and buy protections that may turn out to be useful in a variety of eventualities.

    Purchase safety

    For commonplace purchases, the Blue Business Plus card consists of an automated prolonged guarantee the place relevant and buy safety for as much as 120 days. I’ve used buy safety to get reimbursed for an merchandise I purchased that broke simply after the return date. As lengthy as you employ the card, most new purchases are coated.

    Travel protection

    When touring, this card gives rental automotive insurance coverage (which is secondary to any automotive insurance coverage you have already got), baggage insurance coverage, and journey accident insurance coverage.

    It additionally has a free roadside help function that works like AAA, however you’re liable for the prices of third-party companies rendered.

    Small business advantages

    The Blue Business Plus card options the next advantages tailor-made to small business customers:

    • Access to the American Express business app, which may also help you scan and set up receipts and export expense reviews. 
    • Employee playing cards with spending limits that you would be able to arrange on-line or by calling American Express
    • Expanded shopping for energy, which helps you to spend past your credit restrict if you pay the minimal due every month (together with any quantity that goes over your credit restrict.

    The card additionally gives a spread of reductions via Amex Offers.

    Regular APR

    13.24% to 19.24% variable APR

    Intro APR

    zero% intro APR on purchases for the primary 12 months from account opening

    Chevron iconIt signifies an expandable part or menu, or generally earlier / subsequent navigation choices.

  • Details
  • Pros & Cons

    • Earn 2X Membership Rewards® factors on on a regular basis business purchases akin to workplace provides or consumer dinners. 2X applies to the primary $50,000 in purchases per 12 months, 1 level per greenback thereafter.
    • Enjoy the flexibleness to place extra purchases on the Card and earn rewards if you purchase above your credit restrict*.
    • You’ve acquired the facility to make use of your Card past its credit restrict* with Expanded Buying Power.
    • More shopping for energy to your business means extra alternatives to earn factors. That’s on a regular basis business with the Blue Business Plus Card.
    • *The quantity you may spend above your credit restrict will not be limitless. It adjusts along with your use of the Card, your fee historical past, credit file, monetary assets recognized to us, and different elements.
    • zero.zero% intro APR on purchases for 12 months from the date of account opening, then a variable price, 13.24% – 19.24%, primarily based in your creditworthiness and different elements at account opening.
    • No Annual Fee
    • Terms Apply
    Pros
    • The price no-annual-fee card to earn Amex Membership Rewards factors
    • Solid incomes price on the primary $50,000 in purchases annually
    Cons
    • For spending above $50,000 annually, you will not earn bonus factors with this card
    • No welcome bonus


    Read Our Review
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    Blue Business Plus card prices and costs

    The Blue Business® Plus Credit Card from American Express expenses no annual price, however there are some prices relying on how you employ the card. Those come within the type of curiosity (after a zero% introductory interval), international transactions charges, and late or returned fee charges.

    New cardholders get 12 months at zero% APR for purchases. After that, a variable price APR of 13.24% to 19.24% variable APR applies primarily based in your credit historical past and market rates of interest. Just repay your card in full each month earlier than the due date to keep away from curiosity prices. Late and returned funds set off the next 29.24% variable penalty APR.

    If you presently carry a stability on one other credit card, you could possibly take benefit and repay your debt for good. If you get a decrease APR at American Express than your different playing cards cost, a stability switch could make sense.

    Balance transfers price three% of the transaction worth ($5 minimal) and international transactions cost a 2.7% price. Late and returned funds price as much as $39 per incidence.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective.

    Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.



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