The Blue Business® Plus Card helps you rack up rewards. With a $0 annual fee¤ and no category restrictions, there are many ways to earn points and reward your business, your employees, and yourself. Terms apply.‡
If you're looking for $0 annual fee¤ Card that comes with 2% cash backǂ, consider the Blue Business Cash™ Card for your business. Terms apply.
Cash back cap applies.
† Offer Terms
You can earn 20,000 Membership Rewards® points after you spend $5,000 or more (the "Threshold Amount") in eligible purchases on your Blue Business Plus Card within your first 3 months of Card Membership starting from the date your account is approved. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents. Limit one offer per Card Account. Offer may not be combined with any other special offer. Your account must not be canceled or past due at the time of fulfillment of any offers.
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome offer (s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit Membership reward points to, we may freeze Membership reward points credited to, or we may take away Membership reward points from your account. We may also cancel this Card account and other Card accounts you may have with us.
American Express reserves the right to modify or revoke offer at any time.
¤Rates & Fees
Annual Fee: There is no annual fee for the Blue Business® Plus Card. APRs: 0% intro APR on purchases for the first 12 months of Card Membership from the date of account opening, based on your creditworthiness and other factors. After that, the APR will be a variable rate based on the Prime Rate, currently 13.24% to 19.24%. The following APRs vary based on the Prime Rate. APR for Purchases: currently 13.24% to 19.24%, based on your creditworthiness and other factors as determined at the time of account opening; Penalty APR 29.24%. Variable rates are accurate as of 8/28/2020. The variable penalty APR will not exceed 29.99%. Other Charges: Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
Membership Rewards® Program
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to to membershiprewards.com/pointsinfo.
Blue Business Plus 2X
With your Blue Business® Plus Card from American Express, you earn one Membership Rewards® point for each dollar you spend on your Card for eligible purchases. For the first $50,000 in eligible purchases in each calendar year you also earn one additional point (for a total of 2 points). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards; person-to-person payments or purchases of other cash equivalents. Additional terms and restrictions apply.
Expanded Buying Power
The portion of your account balance that is above your credit limit is due in full each month as part of your minimum payment due. You will not incur interest charges on the portion of your account balance that is above your credit limit so long as you pay the entire minimum payment due by the closing date of the billing period in which it is due. If you do not, then the penalty rate will apply to your entire balance, including any amount above the credit limit.
Blue Business Cash
Cash back can be received on eligible purchases made on your Blue Business Cash Card. The cash back is based on a percentage of the eligible purchases you make during each billing period and will be automatically credited to your account as a statement credit. The statement credit will automatically appear by the second billing statement you receive after the billing statement with the eligible purchases. You will not receive a statement credit for eligible purchases made if you do not pay the minimum payment due by the Closing Date of the billing period in which it is due, or if your Card account is cancelled before the credit is issued. For each calendar year (starting January 1st and ending December 31st), you will receive a statement credit of: 2% on your first $50,000 of eligible purchases; then 1% on all other eligible purchases. Additional terms and restrictions apply.