01 · overview
Blue Business Plus from American Express
by American ExpressPoints
50,000 points welcome · 2x on everything else · $0 annual fee

Annual fee
$0
No fee
Sign up bonus
50K pts
After $5,000 in 3 mo · ≈ $600
Credits
—
No tracked credits
Median FICO
727
Approved
Median income
$120,000
Approved
Our take
The Blue Business Plus earns a flat 2 points per dollar on everything with no annual fee, which makes it one of the easier ways for a small business to earn points without tracking categories. American Express recently raised the welcome offer sharply, from 15,000 to 50,000 points after $5,000 in spend within three months, a big improvement over its recent norm. You also get a 0% intro APR on purchases for 12 months. The tradeoff is the cap: the 2x rate covers only the first $50,000 in purchases each year before falling to 1x, so it suits businesses with moderate spending more than large ones. A foreign transaction fee applies, so it is not the card to use on purchases abroad.
02 · earn & credits
Earn rates & credits
Credits & rebates
No credits or rebates tracked.
03 · card details
Card details
Regular APR | 16.74%–28.49% variable |
Intro APR on purchases | 0% for 12 months |
Foreign transaction fee | Yes |
04 · approval odds
Approval odds
Limited data — n = 1. Charts appear once we have 5+ data points. Submit yours to help. Log in to submit →
05 · reading