Top Reasons to Get This Card
No Annual Fee
The card has no annual fee, so you don’t need to worry about maximizing the rewards to justify the annual fee.
Straightforward Rewards
Every dollar you spend on purchases will get you two membership reward points till you reach the cap of $ 50,000 per year.
Once that limit is exceeded, you get one membership point.
Intro APR as a Welcome Bonus
With this American Express business card, you also get 0% APR on purchases for 12 months.
After that duration is over, it will change to an ongoing APR of 18.49%-26.49% (Variable and based on your credit score)
You Can Overspend, Occasionally
The card expands your buying power and gives you some wiggle room. You can spend more than the credit limit occasionally.
How much you can overspend and how often depends on your credit history, card use, and payment information provided when you sought the card.
Pros and Cons
Pros
- No annual fee and a decent intro APR
- Access to several transfer partners
Cons
- The answer to AmEx blue business plus foreign transaction fee is yes, as the card has a foreign transaction fee of 2.7%
- There are spending caps on the rewards you earn
Is This the Right Card for You?
When someone asks is American Express blue business plus good for small business owners, the answer will always be yes. This card has zero annual fees, 0% APR for the first 12 months, and a decent rewards rate. You also get some flexibility with regard to overspending.
Though the answer to can anyone get blue business plus card is no, you can get it as a small business owner if your credit score is over 690. It is a great choice for people who want to earn rewards and avoid the hassle!
FAQs
How to apply for AmEx Blue Business Plus?
The simplest way to apply for the AmEx Blue Business Plus is via an online form. Just make sure that you have the following information handy to make it easier.
- The legal name of your business
- Your businesses’ tax ID
- The legal structure of your business
- Your role in the business
- The age of the business
- The industry in which your business operates
- The mailing address, number of employees and the annual revenue of your business
- An expense estimate
How to get Amex Blue Business Plus?
To get an AmEx Blue Business Plus card, you need to meet these criteria:
- You need to be 18 years old or more
- You need proof of income
- A good credit is also needed
- You need to have a business or work as a freelancer
- You need a US address and contact number
Is Amex Blue Business Plus a charge card?
AmEx Blue Business Plus is not a charge card.
You must pay the balance every month to avoid paying additional fees and penalties.
Is Amex Blue Business Plus a good card?
Yes, AmEx Blue Business Plus is a good card for business owners with a small annual budget.
It has no annual fee, offers a good rewards rate, and an Intro APR for 12 months.
Is it hard to get an American Express Blue Business Card?
If you have a good credit score, getting an AmEx Blue Business Plus would not be hard.
Your credit score must be between 670 to 850.
The higher, the better the probability of you getting the card. A steady income and good credit history also help.
What is the limit on Amex Blue business?
The yearly limit on AmEx Blue Business Plus is $50,000. It could be low for businesses that spend over $4,000 to $5,000 per month.
Is Amex Blue Business Plus metal?
Like many other credit cards, the AmEx Blue Business Plus is made of plastic. It is not a metal one.
What are the rewards on the American Express Blue Business Plus?
The rewards on the AmEx Blue Business Plus are decent. You earn two membership rewards for each dollar you spend, with a cap of $50,000.
Usually, these reward points are worth 0.5 cents and 1 cent each. Their worth depends on how you redeem them.
What is the difference between American Express Blue Business Plus and Blue Business Cash?
The AmEx Blue Business Plus earns membership rewards, while the Blus Business Cash earns cashback.
It would be best if you decided which one is better for you depending on how you like your rewards.
What credit score is needed for the American Express Blue Business Plus?
To qualify for an AmEx Blue Business Plus card, you need to have a credit score of at least 670.
Having a credit score of 700 or more improves your chances of approval.
Do I need to own a business to get the American Express Blue Business Plus?
You don’t need to have a formal and registered business like an LLC, corporation, or partnership to be eligible for AmEx Blue Business Plus.
However, it would be best if you were in business. Even freelancers, gig workers, and sole proprietors can qualify for this card.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any other entities.
