BEST FOR SMALL BUSINESSES THAT SPEND UNDER $50,000 EACH YEAR
If you’re just starting out with your small business (or side hustle), you might want to earn credit card rewards without paying an annual fee. That’s where the Blue Business Plus card can help. (Partner offer)
At a glance
- 2X Earn 2X Membership Rewards? points on everyday business purchases such as office supplies or client dinners
- 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
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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.
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0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
At a glance
- 2X Earn 2X Membership Rewards? points on everyday business purchases such as office supplies or client dinners
- 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
-
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.
-
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
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Earn 2X Membership Rewards? points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
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You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
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*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
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No Annual Fee
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Terms Apply.
Our Take
TPG Editor's Rating
Overview
Annual fees are not for everyone, and the Amex Blue Business Plus makes credit card rewards approachable for new business owners who can’t justify adding yet another cost to their long list of expenses. With no annual fee, a simple rewards rate and access to the Amex Membership Rewards program, the Blue Business Plus is a popular choice for small businesses.
Pros
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No annual fee
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Earn Membership Rewards points
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Transfer points to 22 airline and hotel partners
Cons
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2 points per dollar spent earning rate is capped at $50,000 per calendar year; then 1 point per dollar spent thereafter
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No higher bonus categories for business-related spending
Who is this card good for?
This credit card is good for two groups of consumers. First, small business owners who make under $50,000 in purchases each calendar year with their card will find tremendous value from this card’s straightforward point-earning approach. Second, if you already hold other Amex cards that earn Membership Rewards points and want a card with an everyday rewards rate, the 2 points per dollar spent earning rate for all purchases is helpful (especially if you spend less than $50,000 per calendar year on your card).
Earning Rewards
You’ll earn 2 points per dollar spent on the first $50,000 in purchases each calendar year, then 1 point per dollar spent after that.
