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Blue Business® Plus
Learn More
See Rates and Fees
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Applying? Submit results
Score Needed: Good to Excellent
Blue Business® Plus
At a glance
Welcome Offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Limited Time Offer
New Offer
All time high
Rewards

2X points on the first $50,000 spent in purchases each year

2X points on the first $50,000 spent in purchases each year

1X
Points on other purchases
Intro APR
0% on purchases for 12 months from date of account opening
Balance Transfer Intro
N/A
Regular APR
17.99% - 25.99% Variable
Annual Fee
$0
Blue Business® Plus

Get the most out of your business spending with the American Express Blue Business® Plus Card. Earn double points on all purchases up to $50,000 a year, then one point per dollar after that. No confusing categories. Use points with Delta SkyMiles, Marriott Bonvoy, and Hilton Honors. There's no annual fee, and you can spend over your limit when needed. Enjoy purchase protection, extended warranties, car rental insurance, and standard Amex protections. Plus, get a 0% intro APR for 12 months on purchases to help manage cash flow.

Application Tips
Get the best results with each application

Application Pending? Check your status online at AmericanExpress.com/Application-Status or by calling 1-800-567-1083. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)

Application Declined? If your Amex application was declined, you can ask for reconsideration within 30 days without a new credit check, or up to 90 days with a new one. When you call, you can ask to move credit from another Amex card or close an old card to get the new one. If they need a tax return, send what you have—it doesn't need to match your stated income. A bank statement might work too.

Approval Rules: American Express follows a maximum of 2 card approvals within 90 days, known as the 2/90 Rule. You can hold up to 5 credit cards, excluding No Preset Spending Limit cards, with a limit of 10 such cards. Additionally, you are allowed one Platinum variant every 90 days.

Limit Increase
Credit Inquires
No items found at this time
For existing Amex cardholders — Amex does not pull your credit for new credit card applications.
Application Inquires Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will| not do a hard credit pull when applying for a new credit card at any time
Welcome Offer Eligibility: Welcome Offer Eligibility You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.
Downgrade Options
Getting your card
Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days
Rescore your report: To update your balance off-cycle, call 1-800-874-2717. The update will take up to 5 business days.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
No items found.

Auto CDW Insurance

Car Rental Loss and Damage Insurance

As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions.

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption

Cashback

The following are your options for redeeming Amex Points for cashback:

  • Use points for a statement credit at 0.6 cents per point (very poor value)
  • If you have The American Express Platinum Card for Schwab ($695) you can use your points to transfer to your Chares Schwab account at 1.1 cents per point
  • If you have The Business Platinum Card from American Express ($695) you can transfer your points to your Amex Business checking account at 1 cent per point
  • If you have the Morgan Stanley Amex Platinum ($695) you can deposit your points to your Morgan Stanley account at 1 cent per point
Travel Redemption

Amex Travel

You can use your points to book airfare, hotels, car rentals, and more on Amex Travel. You will get 1 penny per point for flights and 0.7 cents per point towards all other travel.

If you have the The Business Platinum Card from American Express then you can get 35% of your points back when booking a flight on Amex Travel (up to 1,00,000 points back per calendar year).

  • In order to qualify for the 35% points back promo, the flight needs to be one of the following:
    • Flights booked on your preferred airline – this is a single airline you choose once a year in January as your preferred airline.
Transfer your American Express Membership Rewards to any of the following American Express Travel Partners.
Points Transfer Partners
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms

Transfer Rules: You cannot transfer balances from other credit cards issued by American Express

Transfer Terms: To receive the Intro APR offer, transfers must be completed within the first 60 days after account opening

Transfer Limit: Amex will only allow you to transfer up to the lesser of $15,000 or 75% of your credit limit

Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR offer

Foreign Transactions
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Why We Like it

If you're a small business owner looking for a reliable credit card, the American Express Blue Business® Plus is an excellent choice. Here's why:

  1. Earn Points Efficiently: 2X points on the first $50,000 each year, 1X thereafter.
  2. Flexible Redemption: Use points for travel or transfer to loyalty programs like Delta SkyMiles and Marriott Bonvoy.
  3. Travel Perks: Get 35% points back on selected flights with Amex Travel.
  4. Additional Benefits: Includes Purchase Protection, Extended Warranty, and Car Rental Insurance.
  5. No Annual Fee: Enjoy these benefits without a yearly membership fee.

The American Express Blue Business® Plus card is a smart, cost-effective choice for your growing business. Terms Apply

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Considerations

Looking for the perfect card for your business needs? The American Express Blue Business® Plus offers some great benefits, but like any card, it also has its drawbacks. Here’s a quick look at some potential cons to consider:

  1. Limited Cashback Options: Redeeming points for cashback provides less value compared to other redemption methods.
  2. High Annual Fees for Better Redemption Rates: Optimal point redemption rates require holding other high-fee Amex cards.
  3. Complex Benefits Structure: Maximizing card benefits and rewards can be confusing and require holding multiple Amex cards.
  4. Lower Travel Redemption Value: Points are worth less when redeemed for travel options other than flights through Amex Travel.
  5. Specific Airline Bonus Limitations: Bonus points back on flights are restricted to bookings on a pre-selected airline.

Keep these in mind when deciding if the American Express Blue Business® Plus is the right card for your business wallet.

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More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?
No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.
What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?
You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.
I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?
For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.
Additional resources
What Counts as Income for Credit Card Applications?
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Double Your Value with Amex Platinum – Before Year-End
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Go Wild with Frontier's Unlimited Flights!
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How to Get Cash From a Credit Card [5 Smart Strategies]
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