
AMEX National Bank Blue Business Credit Card
Would you recommend AMEX National Bank Blue Business Credit Card to your friends?
Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) | 13.24% - 19.24% |
Balance Transfer APR (Variable APR) | 13.24% - 19.24% |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
AMEX National Bank Blue Business Credit Card Review
This is a rewards card issued by American Express National Bank. If you're wondering whether American Express Blue business card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. AMEX National Bank Blue Business Credit Card has a variable purchase APR that ranges from 13.24% up to 19.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. AMEX National Bank Blue Business Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of American Express Blue business card
The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 13.24% up to 19.24%. The card has a variable balance transfer APR that ranges from 13.24% up to 19.24%.
It also has a variable cash advance APR that ranges from 13.24% up to 19.24%. Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 12 months from account opening.
This business card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.
Purchase APR | 13.24% - 19.24% |
Balance Transfer APR | 13.24% - 19.24% |
Cash Advance APR | 13.24% - 19.24% |
Penalty APR | 29.24% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39.
- A returned payment fee of up to $39.
- There is no overlimit fee
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 2.7% |
Balance Transfer Fee | 3% |
Minimum Balance Transfer Fee | $5 |
Returned Payment Fee | up to $39 |
Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
Yes, American Express Blue business card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
However, it does include an annual loyalty bonus of 2 points that can be redeemed for travel, gifts, and other perks.
What are the benefits?
This business credit card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Fraud Liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (800) 528-4800.
What is the support contact email?
The support contact email for this business credit card is info@americanexpress.com.
Does AMEX National Bank Blue Business Credit Card report your account activity to credit bureaus?
Yes, AMEX National Bank Blue Business Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the American Express National Bank .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From American Express Blue business card
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 USA - (800) 528-4800
- Visit Site
- Email Support
Other Services by American Express National Bank
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 12 months |
AMEX National Bank Blue Business Credit Card Community Reviews
Would you recommend AMEX National Bank Blue Business Credit Card to your friends?
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