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Amex Business Line Of Credit – Blue Business® Plus Credit Card from American Express Review: Solid business rewards card with 12-month 0% introductory APR

Why we love this card: The Blue Business® Plus Credit Card from American Express has many attractive features, including 2x points on purchases of goods and services you need for your business, 0% APR for 12 months, and $0 fees. annual. Plus, you’ll enjoy a variety of financial tools and protections, making running your business a breeze while adding an extra layer of sanity.

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Check out this page to see the rates and fees for the Blue Business® Plus Credit Card from American Express

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Business credit cards that offer rewards often charge an annual fee. However, the Blue Business® Plus card is an exception to that rule. Newcomers can also receive an introductory bonus of 15,000 Membership Rewards® points after you make $3,000 in Card purchases in your first 3 months of Card Membership.

You can take advantage of 0% introductory APR on purchases for 12 months from account opening date (then variable APR 18.49%-26.49%) and earn up to 2x points on all business-related purchases you make, though terms apply. Therefore, this card may look good in your wallet if you need to finance a big business purchase in the coming year. If you pay off the balance before the promotional period ends, you will avoid interest charges and have double points on the fee.

The Blue Business® Plus Credit Card from American Express has a simple rewards structure. You’ll earn 2x Membership Rewards Points on daily business purchases on your first $50,000 in annual purchases (1x points per dollar thereafter).

Most of these business rewards credit cards will help you earn points. However, there are exceptions, including:

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If you don’t want to worry about special spending categories or revolving rewards to maximize your points and earn your talent, the Blue Business® Plus card hits the spot.

The Blue Business® Plus Credit Card from American Express offers new cardholders 15,000 Membership Rewards® points after you spend $3,000 on card purchases in the first 3 months of card membership.

You can redeem Membership Rewards points earned on your Blue Business® Plus credit card in several ways. However, some redemption methods give you more value than others, so choose wisely.

You can use your points to shop online at MembershipRewards.com. You can browse thousands of items sold by American Express merchants. Each point is worth half a cent on this platform.

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Some retailers also allow you to link your rewards card account to their checkout page. That way, you can apply your points to that purchase. You can also link your rewards account to your PayPal account, giving you access to more merchants that will happily accept your points as payment. Your points may be worth one cent each when you use them during the merchant checkout process.

When you book flights with American Express Travel, you’ll enjoy an exchange rate of one cent to one point. Other trips booked in advance, such as hotel stays or tours, have a half or two-thirds percent rate.

American Express also works with many hotels and airlines. You can use Membership Rewards points to cover travel expenses when you link your frequent flyer or hotel loyalty account to your credit card rewards account. In general, points cost one cent each when you redeem them through the partner program. However, you can stretch your rewards with the Hilton Honors program, where each Membership Rewards point is worth two Hilton Honors points.

American Express allows you to use Membership Rewards points to cover the cost of your current statement. While you may be tempted to lower your balance, know that you will only earn 0.60 cents (that’s one-sixth of a percent) per point when you use this redemption method. In addition, you must have enough credit to clear all expenses, and credit does not count towards the minimum payment of the billing cycle.

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You can use your Membership Rewards points to purchase a variety of gift cards through the American Express Membership Rewards Card Portal. Some grocery and retail gift cards can get you anywhere from one point to one hundred in exchange. However, others may reduce the value of your rewards, paying only half a percent of the credit for each point.

The Blue Business® Plus Credit Card from American Express offers cardholders valuable benefits, including:

The Blue Business® Plus Credit Card from American Express offers a generous rewards program and many cardholder benefits. Users can enjoy all the benefits of the card without paying an annual fee.

If you want to be rewarded for your everyday business purchases and like to use more points, the Business Plus Credit Card will be a great addition to your financial tools belt.

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However, let’s say you’re simply interested in earning cash back or prefer high-reward cards with revolving bonus components. In that case, another card may be better suited to your business’s spending needs. Some cards, like The Business Platinum Card® from American Express, offer 5x Membership Rewards points on flights and hotels booked in advance at amextravel.com

If the Blue Business® Plus credit card from American Express isn’t right for you, you have other options to consider, such as:

The American Express Blue Business Card ™ is similar to the Blue Business Plus Card in that it has no annual fee and offers a 0% introductory APR for 12 months, although terms and conditions apply. It also comes with many of the same benefits, such as extended purchasing power, sales protection and 24/7 customer support.

However, it differs in terms of rewards. While the Blue Business Card gives you 2x Membership Rewards points on purchases, the Blue Business Cash Card gives you 2% cash back. Cash back is applied directly to your statement, making the card ideal if you’re looking to lower your monthly bill.

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American Express does not publish eligibility criteria online. However, you can increase your chances of getting approved for a Blue Business Plus credit card by having a good to excellent credit score (670+).

The Blue Business® Plus Credit Card from American Express assigns a credit limit to cardholders. However, you may be able to go over your limit without penalty by using a card with the Extra Purchasing Power feature. The amount you can exceed is determined based on your credit profile, account activity history, financial resources and other criteria.

If you don’t pay off your Blue Business Plus card in full each month, American Express will charge you interest until you’re at 0% during the introductory APR period, which comes with certain conditions. Carrying a balance over a longer period of time will increase the overall cost of the loan.

Please note that card details are correct at the date of publication but are subject to change at any time at the decision maker’s discretion. Before applying, please contact your card issuer to confirm rates, fees and benefits.

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Terms apply to American Express benefits and offers Registration may be required for some American Express benefits and offers. Visit americanexpress.com to learn more.

Eligibility and benefit levels vary by Card. Terms, conditions and restrictions apply. Please visit americanexpress.com/benefitsguide for more details. By Amex Assurance Company.

Editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties. This post contains references to one or more of our advertisers. We may receive compensation when you click on links to those products. The terms apply to the offers listed on this page. For a description of our advertising policy, visit this page.

If you want to sign up for a small business credit card because you’re not sure how to apply, you’re leaving points on the table. You don’t have to have a traditional brick-and-mortar business to get a business card. You may be eligible if you are self-employed, an Uber or Lyft driver or have a benefit.

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American Express offers a wide portfolio of business cards, so you’re sure to find something that fits your business needs. In this guide, we’ll break down the American Express business card requirements to help you answer some of the more confusing application questions.

Before we begin, it’s important to know that you can earn an Amex business card welcome once in a lifetime. A similar restriction applies to Amex consumer cards. But there are several Amex business cards to choose from, so you have more options.

You can earn flexible Amex Membership Rewards points with The Business Platinum Card® from American Express, which currently has a welcome offer of 120,000 points after you spend $15,000 on qualifying purchases in the first three months of card membership. . If you’re looking for a card with no annual fee (see rates and fees), you can also choose the Blue Business® Plus Credit Card from American Express, which earns 2 Membership Rewards points per dollar spent on every first purchase. $50,000 in eligible purchases each year, then 1 point per dollar

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